vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am filing this complaint against HSBC Bank USA regarding the blockage of my credit card ending in XXXX. Below is a detailed account of what happened : On XX/XX/year>, I noticed that my HSBC credit card ending in XXXX was displaying the message " Service unavailable '' on the HSBC mobile app, and I can not make any payment using the credit card anymore. This issue has persisted until XX/XX/year>, when I contacted HSBC customer support through their live chat service. 

The agent confirmed that the security team had temporarily blocked my card and stated that it was under review. However, the agent can not provide the reason for the block, and could not estimate how long the review process would take. 

The agent helpfully assured that the card would be usable again shortly, but no updates or solutions have been provided since the chat interaction. The inability to use my card has caused significant inconvenience and has disrupted my financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: IL

Complaint narrative:
Experian has filed 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 resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing forward Consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience where Experian has neither corrected nor removed 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 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unrecognized Hard Inquiries on my Transunion Report : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX, via XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Unrecognized Hard Inquiries on my XXXX Report 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 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 non-monetary relief
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
TransUnion and XXXX violated my right under usc.1681c ( b ). Again they both failed to ensure the accuracy of my information and this is not in compliance of the FCRA. I am requesting that all information contained in these reports to be deleted immediately XXXX ) XXXX  XXXX account # XXXX inaccurate information balance and payment history XXXX ) XXXX XXXX account # XXXX inaccurate info balance and payment history

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 2025-01-26 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: CA

Complaint narrative:
XXXX and XXXX violated my right under usc.1681c ( b ). Again they both failed to ensure the accuracy of my information and this is not in compliance of the FCRA. I am requesting that all information contained in these reports to be deleted immediately XXXX ) XXXX  XXXX account # XXXX inaccurate information balance and payment history XXXX ) XXXX XXXX account # XXXX inaccurate info balance and payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
The company never validated the debt nor removed the negative item ( s ) from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: RI

Complaint narrative:
I was never contacted by any debt collector or any company regarding any bills. I tried to contact them and have it fixed. They had different phone numbers and addresses that were incorrect. I disputed every single one of them about a year ago and nothing happened. They didn't contact me or anything. Also had some debt collectors threaten to put me in jail.

Everything is inaccurate and they state that everything is accurate without showing any proof!

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 2025-01-26 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax 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, Equifax`s 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have an account on my Experian credit report with XXXX XXXXXXXX XXXX that i '' ve tried to disputed a number of times and it keeps coming back verified without a proper investigation after i provide all proper documention.

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 2025-01-26 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: SC

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, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against XXXX ( File No. 2025-CFPB-0002 ) for similar misconduct. 

XXXX failure to conduct a proper investigation has caused significant harm, including damage to my creditworthiness, emotional distress, and difficulty in obtaining financial products. I provided all necessary documentation to support my disputes, yet XXXX continues to rely on automated processes or incomplete verifications instead of conducting a reasonable review. 

I request immediate action to ensure my disputes are properly investigated and the inaccuracies on my credit report are removed. Additionally, I request that the CFPB take enforcement action to prevent such violations from recurring and ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-26 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: SC

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, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against XXXX ( File No. 2025-CFPB-0002 ) for similar misconduct. 

XXXX failure to conduct a proper investigation has caused significant harm, including damage to my creditworthiness, emotional distress, and difficulty in obtaining financial products. I provided all necessary documentation to support my disputes, yet XXXX continues to rely on automated processes or incomplete verifications instead of conducting a reasonable review. 

I request immediate action to ensure my disputes are properly investigated and the inaccuracies on my credit report are removed. Additionally, I request that the CFPB take enforcement action to prevent such violations from recurring and ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XX/XX/XXXX -- {$230.00}

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 2025-01-26 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: TX

Complaint narrative:
Please check the information concerning the Equifax data breach in below attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I have reached out to Affirm on multiple occasions and they continue to try to push me to a third party company although Affirm is the one that reports it to the credit companies. Affirm themselves will not even speak on the debts, they force you to a company I have never heard of and that company also claims they can not negotiate or offer any type of documentation until AFTER you pay them. No info, no documentation until you give them money is a huge red flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: IL

Complaint narrative:
I continue to receive letters in the mail and messages on my Voice Mail from this company. I do not want letters or calls. I tried to pay this " debt collection agency '' and the day after? My debit card information was stolen. This is not a legitimate company. I do not feel safe paying my debt to this person. 

They refuse to answer phones and have no email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one has merged with kohls store card. Although I am paying my monthly bill the balance is increasing. This is due double charging me interest twice a month. I called to inquire and the rep said the only way until stop is if you pay your balance in full. Other than that youll keep getting interest until its paid. I ad used although Im paying the balance will be triple since you are scamming people by charging interest twice a month. No one will be able to get the balance down. The rep said like I said the only way for that to stop is if you pay the whole balance and not the monthly payments. The questions I had, the rep avoided and continued with the same speech. This company is scamming people and placing us in high debt. When I asked about closing the account and pay on my balance will I still get interest charged. At first, she said no ; then she read the disclosure statement and I stopped her from continuing because the statement states that I will continue to be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CT

Complaint narrative:
I am writing 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 users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: RI

Complaint narrative:
I was never contacted by any debt collector or any company regarding any bills. I tried to contact them and have it fixed. They had different phone numbers and addresses that were incorrect. I disputed every single one of them about a year ago and nothing happened. They didn't contact me or anything. Also had some debt collectors threaten to put me in jail. 
Everything is inaccurate and they state that everything is accurate without showing any proof!

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 2025-01-26 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: RI

Complaint narrative:
I was never contacted by any debt collector or any company regarding any bills. I tried to contact them and have it fixed. They had different phone numbers and addresses that were incorrect. I disputed every single one of them about a year ago and nothing happened. They didn't contact me or anything. Also had some debt collectors threaten to put me in jail. 
Everything is inaccurate and they state that everything is accurate without showing any proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TN

Complaint narrative:
Transunion continues to report inaccurate information pertaining to balances and late payments, even though I send screenshot proof! 
They use a computer to falsely make decisions which costs the consumer up to XXXX points or more which hurts their credit! How is this legal or ethical? 

XXXX XXXXXXXX XXXX balance has been reported inaccurate, yet their bot validates as accurate. 

XXXX XXXX has not been late, and is now closed and paid in full!

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 2025-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
I noticed about XXXX hours ago my card was not working at the gas station which I thought was odd because I knew for a fact I just made a deposit yesterday.Meanwhile still at the gas station I go to check the XXXX XXXX app to see if I could figure out what is going on, which I could not because when trying to sign it I got an error message with only the words " oh no! '' " if you're having trouble call support at ( XXXX ) ' I decide to give it a few more minutes to see if anything changes or if I could figure anything else out, to where I find the exact email from XXXX attached below. I call the given number to see if I can finally figure this out given the email literally says " please call as soon as possible to review your account '' The first rep verifies my information & says " I am going to look into your account while I place you on hold for about XXXX minutes '' Not even a minute or XXXX later he comes back on the phone and all he says to me is " I'm not able to see anything i'm sorry about that. '' Then hangs up the phone... I have now called back XXXX times since then, with the exact same responses in the same exact same order ... There was nothing out of the ordinary that happened with the account, including unauthorized transactions, large/ abnormal transactions from new company/or online. In fact, I have had to confirm probably about 99 % of any debit card purchases over {$25.00} or so for the last few months with the, in which I have done after every transaction I had gotten the text to confirm. Not to mention, I have money in both my checking account and savings account with them I desperately for a of my bills in the next few days, one of them being tomorrow.Yet they will not give my any information at all, tell me when/ if I will be getting my money back, not one single rep can give me a reason, transaction/anything that caused this or could've caused this, a timetable of how long this process typically takes, no follow up emails since, no phone call to start this. Honestly furious, don't understand how this is even allowed better yet legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: OK

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, XXXX 's 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX 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 non-monetary relief