vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: GA

Complaint narrative:
I just got my credit report and noticed some hard inquiries don't have permissible purpose according to 15 USC 1681b. I also attached a copy of my credit report. Can you please investigate these hard inquiries below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They have violated my federal rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX XXXX : XX/XX/XXXX On XX/XX/XXXX I looked at my credit report and I noticed some inaccuracies. I sent a letter to Experian on XX/XX/XXXX asking them to investigate this nine inquiries # 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 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 They sent me their investigation and said that this account was verified and accurate this is the report number of the letter I received from them # XXXX. And according to 15 USC 1681i ( 5 ) I see it states after any re investigation 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 credit bureaus did not re investigate and violated my right. Thank you

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Had identity theft with the bank and reported to fraud department. My account was closed and false information was reported to chex system..

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 2025-02-15 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: MO

Complaint narrative:
Data was breached from Experian, TransUnion, Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: MO

Complaint narrative:
Data was breached from Experian, TransUnion, Equifax.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Complaint Against U.S. Department of Education for Violations of FCRA and FDCPA Issue Type : Credit reporting and debt collection violations Company Name : U.S. Department of Education Complaint Details : I am filing this complaint due to inaccurate credit reporting and unfair collection practices by the U.S. Department of Education regarding my federal student loans ( Account Numbers : XXXX and XXXX ). 

These loans are incorrectly reported as defaulted/charged-off, even though I am eligible for the Department of Educations XXXX XXXX XXXX XXXX which should restore my loans to good standing and remove negative reporting. Despite my eligibility and requests for correction, the Department of Education has failed to take appropriate action. 

Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate information to credit bureaus.

15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct inaccurate information after being notified of the dispute.

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692e : Misrepresentation of my loan status and failure to inform me of my XXXX XXXX eligibility. 
15 U.S.C. 1692f : Unfair collection practicescontinuing to report my loan as defaulted despite my XXXX XXXX eligibility.

How This Issue Has Affected Me : The inaccurate reporting has negatively impacted my credit score, making it difficult for me to secure financial opportunities. 
The misrepresentation of my loan status has caused me financial and emotional distress due to unfair collection practices. 
The Department of Education has failed to correct the issue despite my formal dispute. 
What I Want the Company to Do : Immediately remove all negative remarks related to this default from my credit report.

Provide written confirmation that my loans are in good standing under the XXXX XXXX XXXX. 
Cease all collection activities related to this loan. 
Ensure compliance with the FCRA and FDCPA to prevent further harm to me and other borrowers. 
If this issue is not resolved promptly, I intend to escalate further, including seeking legal action for damages caused by the Department of Educations noncompliance. 

Supporting Documents : I have attached all relevant documentation, including correspondence with the Department of Education and proof of my XXXX XXXX eligibility. 

Desired Resolution : Correction of my credit reports, cessation of unfair collection practices, and confirmation of compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: PA

Complaint narrative:
Complaint Against U.S. Department of Education for Violations of FCRA and FDCPA Issue Type : Credit reporting and debt collection violations Company Name : U.S. Department of Education Complaint Details : I am filing this complaint due to inaccurate credit reporting and unfair collection practices by the U.S. Department of Education regarding my federal student loans ( Account Numbers : XXXX and XXXX ). 

These loans are incorrectly reported as defaulted/charged-off, even though I am eligible for the Department of Educations XXXX XXXX XXXX XXXX which should restore my loans to good standing and remove negative reporting. Despite my eligibility and requests for correction, the Department of Education has failed to take appropriate action.

Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate information to credit bureaus.

15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct inaccurate information after being notified of the dispute. 
Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692e : Misrepresentation of my loan status and failure to inform me of my XXXX XXXX eligibility. 
15 U.S.C. 1692f : Unfair collection practicescontinuing to report my loan as defaulted despite my XXXX XXXX eligibility. 
How This Issue Has Affected Me : The inaccurate reporting has negatively impacted my credit score, making it difficult for me to secure financial opportunities. 
The misrepresentation of my loan status has caused me financial and emotional distress due to unfair collection practices. 
The Department of Education has failed to correct the issue despite my formal dispute. 
What I Want the Company to Do : Immediately remove all negative remarks related to this default from my credit report. 
Provide written confirmation that my loans are in good standing under the XXXX XXXX XXXX. 
Cease all collection activities related to this loan. 
Ensure compliance with the FCRA and FDCPA to prevent further harm to me and other borrowers. 
If this issue is not resolved promptly, I intend to escalate further, including seeking legal action for damages caused by the Department of Educations noncompliance. 

Supporting Documents : I have attached all relevant documentation, including correspondence with the Department of Education and proof of my XXXX XXXX eligibility. 

Desired Resolution : Correction of my credit reports, cessation of unfair collection practices, and confirmation of compliance with federal law.

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 2025-02-15 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: PA

Complaint narrative:
Complaint Against U.S. Department of Education for Violations of FCRA and FDCPA Issue Type : Credit reporting and debt collection violations Company Name : U.S. Department of Education Complaint Details : I am filing this complaint due to inaccurate credit reporting and unfair collection practices by the U.S. Department of Education regarding my federal student loans ( Account Numbers : XXXX and XXXX ). 

These loans are incorrectly reported as defaulted/charged-off, even though I am eligible for the Department of Educations XXXX XXXX XXXX XXXX which should restore my loans to good standing and remove negative reporting. Despite my eligibility and requests for correction, the Department of Education has failed to take appropriate action.

Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate information to credit bureaus.

15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct inaccurate information after being notified of the dispute.

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692e : Misrepresentation of my loan status and failure to inform me of my XXXX XXXX eligibility. 
15 U.S.C. 1692f : Unfair collection practicescontinuing to report my loan as defaulted despite my XXXX XXXX eligibility. 
How This Issue Has Affected Me : The inaccurate reporting has negatively impacted my credit score, making it difficult for me to secure financial opportunities. 
The misrepresentation of my loan status has caused me financial and emotional distress due to unfair collection practices. 
The Department of Education has failed to correct the issue despite my formal dispute. 
What I Want the Company to Do : Immediately remove all negative remarks related to this default from my credit report. 
Provide written confirmation that my loans are in good standing under the XXXX XXXX XXXX. 
Cease all collection activities related to this loan. 
Ensure compliance with the FCRA and FDCPA to prevent further harm to me and other borrowers. 
If this issue is not resolved promptly, I intend to escalate further, including seeking legal action for damages caused by the Department of Educations noncompliance. 

Supporting Documents : I have attached all relevant documentation, including correspondence with the Department of Education and proof of my XXXX XXXX eligibility. 

Desired Resolution : Correction of my credit reports, cessation of unfair collection practices, and confirmation of compliance with federal law.

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 2025-02-15 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: CA

Complaint narrative:
I have followed every required step to dispute inaccurate items on my credit report, yet they remain uncorrected. This situation is unacceptable and must be resolved immediately. 

I strongly believe these discrepancies stem from a data breach and demand their removal without further delay. 

The Fair Credit Reporting Act ( FCRA ) exists to prevent situations like this, where consumers are subjected to unfair and inaccurate reporting. Allowing these errors to remain is not only a violation of my rights but is also harming my financial well-being.

Immediate action is expected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: DISCOVER BANK
State: CA

Complaint narrative:
A XXXX XXXX XXXX XXXXXXXX, charged my credit card with XXXX unauthorized charges. No notice or receipt for these charges was ever sent out as was the case for previous legitimate charges. Details are provided in the attached documents. XXXX refunded XXXX of the charges, and promised to send the XXXX refund by mail but never did. On the day they credited the refund, XXXX also initiated a XXXX unauthorized charge. They did not respond to further communications. 

I disputed the XXXX un-refunded charges, dated XX/XX/year> and XX/XX/year> to the credit card provider Discover. Discover records will show that all XXXX charges were disputed due to their initial incorrect entry of the dispute. The XXXX refunded charges were correctly charged back to my account, while XXXX of the other XXXX was resolved in my favor and the other ( inconsistently ) in the vendor 's favor. In resolving in the vendor 's favor, the only reason provided was : " we attempted to obtain transaction records from the merchant. We regret that we are unable to validate the details of your claim. Accordingly, we consider the charge to be valid. '' Discover neither met their obligation imposed by 15 USC 1643 ( b ) to show that use was authorized nor did they address/demonstrate that the conditions of liability described in 15 USC 1643 ( a ) were met.

While I believe the actions of XXXX  are potentially XXXX, I am also concerned that Discover may be attempting to recover inappropriate charges from their cardholders that they are unable to recover form the vendor. I believe they must have sufficient internal record to know that there is a problem with the vendor, as documented by the many complaints that can be found by XXXX  " XXXX  fraud ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-15 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: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan from 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... These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections appearing on my consumer credit report 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 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. 
What would be a fair resolution to this issue? ( demand for relief. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I took out a {$500.00} no interest if paid off in XXXX  months loan through Care credit and synchrony Bank on XX/XX/XXXX I paid this off on XX/XX/XXXX. Only to find out that they had charged me {$160.00} in interest and fees claiming that because my payments were not paid on the XXXX of every month I paid on the XXXX and XXXX of every month and because of that they were going to charge me {$160.00} in interest late fees and card usage fees. This was not disclosed when I took out the loan These are deceptive practices. They are a predatory lending company that preys on people in their most vulnerable times of need in medical and veterinary situations as is disclosed in many class action lawsuits against XXXX. In the United States XXXX XXXX XXXX versus synchrony Bank, XXXX XXXX, the plaintiff v. Synchrony Bank, brings all this to the top. Even the defendant in this case admits that half of the XXXX consumers, had they known about all of these hidden fees and charges ahead of time and before their heat of the moment decision that they were all but forced to make in their veterinarian 's office or in front of a medical financials office, they would have reduced some of the care or postponed it. But that's when Care credit swoops in and approves a line of credit in a matter of under XXXX seconds in their most vulnerable time and then begins this predatory lending sham. Buyer beware of 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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I'd like to report Robinhood Markets Inc. My frustrations with this company have gone to an extreme level and no one at customer service seems to care. I've spent hours trying to resolve my problems with no resolution. My problems started when I was scammed {$1400.00} of bitcoin. Customer service did nothing to resolve this and put a hold on my crypto transfered forever. Since then I haven't been able to access my funds through their app. It's been months and hours of time spent and no resolution to why I can't access my finds through the app. I've tried everything under the sun to be able to access my money but nothing works so I am confident it is a techical error on thier end that they can't figure out. I've eventually made the recent move to transfer all of my funds into XXXX XXXX to now be faced with a letter saying I will have to pay fees that were never disclosed and when speaking to XXXX they are saying that Robinhood says I have a " flat '' account with nothing in it to transfer!!! I have over {$17000.00} in my acount! I have over XXXX stocks, cash and crypto with them and they are saying I have nothing with them to transfer?? Have they stolen my money?? A firm should not be allowed to operate a business this way!!! I uploaded my Robinhood XXXX to XXXX to verify that I do have multiple equites with them and hopefully they can figure it out. They also said that it would only take XXXX business days to make the transfer and now they are saying it will be XXXX? XXXX!!! Robinhood needs to be investigated for fraud, lack of transparency, holding funds without notice, fees not disclosed ... the XXXX customer service. They have disconnected my call multiple times when they seem to not know how to resolve their technical issues... please XXXX help me and all of us who have invested with this XXXX XXXX company. Please investigate them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: CT

Complaint narrative:
Please check the information concerning Exquifax data breach i'd like to have all the account Also delinquent accounts remove from my credit report. Due to Exquifax date of breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: IN

Complaint narrative:
I noticed some unauthorized inquired on my credit profile that I would like removed. According to the FCRA these unverified / unauthorized items must be removed they are unauthorized and are negatively impacting my credit profile and have no permissiable purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I noticed some unauthorized inquired on my credit profile that I would like removed. According to the FCRA these unverified / unauthorized items must be removed they are unauthorized and are negatively impacting my credit profile and have no permissiable purpose.

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