vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I engaged with XXXX to install a fence in XXXX of XXXX i had a 0 % interest promotional for XXXX years. the fence installation was postponed and was extremely inconvenient and didnt get finished until XXXX XXXX i was told by the store that they would change the promo to be until it was installed. in XXXX of XXXX  i was charged the entire interest amount before i could pay it all off, because i thought my new date was in XXXX like i was told. i called the bank and they had be file a dispute process which i did. i got a letter in XXXX of XXXX saying that they were going to credit my account for the missing promotional interest. however this was never credited to my account. I waited the 45 days for the credit to appear as the letter stated and called back when i never got the credit. i was then told that they would need to send the issue up and to wait 90 days. i was told to not pay off the entire account yet until they reached back out. 90 days have gone by and they since sent another email saying that the request was denied. There was never a request for them to deny. I had already received a letter saying i would get credit and they never applied the credit. they wont tell me why i was sent that original letter and was told that it might have been on accident. I feel like they are fraudulently going back on their original message with me. i have told them and am still willing to pay everything i owe as long as they credit the account with the amount they promised. on top of this the managers got increasingly angry even shouting at times even though they couldnt tell me why the letter was ever sent. I was told repeatedly that they were going to look into the issue and to not pay in full until it was resolved, however they refuse to resolve it.

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 2025-03-26 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-26 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: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

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 2025-03-26 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing this complaint because Ally Auto Financial attempted to repossess my vehicle on XX/XX/year>, despite the fact that I was actively making payments under a verbal agreement to bring my account current. 

A few months ago, I spoke with an Ally representative and agreed to a XXXX payment plan. I was not given this in writing, but Ive made XXXX out of the XXXX payments as promised. Ally now claims that my second payment was due on the XXXX of the month, and because I paid on the XXXX, they considered me in default but this was never clearly communicated to me. 

I made my payments in good faith based on the verbal arrangement. The repossession attempt was distressing and seems to violate Allys duty to act fairly, especially since they had already accepted partial payment. 

I believe this may constitute unfair or deceptive practices, particularly given the lack of written terms or warnings. I am requesting that Ally be held accountable for not documenting their own payment plan, then using that lack of clarity to justify repossession. 

I can provide payment records, dates of communication, and details of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice to Cease Collection Efforts on Transferred Debt Dear XXXXXXXX XXXX , I am writing to formally notify you that I have received communications from a Third-Party Debt Buyers ( XXXX XXXX ) claiming ownership of the debt that was previously owed to your institution, which was allegedly charged off and sold to them. 

Since the debt has allegedly been sold or assigned, you no longer have any legal basis to pursue collection or request payments from me. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), continued collection efforts by you may constitute misleading or deceptive practices and potential violations of these laws. If this debt has indeed been sold or transferred, I demand that you : 1. Cease all further communication with me regarding this account.

2. Update any credit reporting you have made regarding this account to reflect that the debt is no longer under your control. 

If you continue to pursue collection after the sale of the debt, I will have no choice but to report this behavior to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to protect my rights.

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted XXXX  XXXXXXXX XXXX XXXX  to adopt a puppy. I sent payment payment for the dog and shipping fee. The deposit was paid on XX/XX/year> for {$320.00}, shipping same date foe {$220.00}, on XX/XX/year> final payment of {$230.00}. 
On the day the dog was supposed to be shipped I was contacted to send {$1800.00} for crate rental and {$2500.00} for shipping insurance in total on XX/XX/year> {$2800.00} was sent. There was no dog delivered as this company is a fraud. Once I realized it was a scam I contacted well Fargo to report the scam/fraud and open a fraud case. My case was denied, when I called to dispute the denial I was told I cant dispute it and the outcome would be the same. I also contacted XXXX XXXX  bank who is affiliated with XXXX to report the fraud and scam they also said they would not file a report. I also filed a federal fraud 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I paid for service to help find an apartment with XXXX separate transaction to XXXX XXXX Transfer to XXXX XXXX, XXXX for {$300.00} and another for {$150.00}. The person failed through to find me an apartment and block my phone number. I requested and refund, but she decline the request. On XX/XX/XXXX, I disputed these charge with my bank and explain to the that the person never provided the service and block me from contact them. The bank provided me with a temporary credit on XX/XX/XXXX and on XX/XX/XXXX the bank decided to reverse the credit they provided. 

The service I requested from this person, was not provided, basically fraud me out of my money. The person never fought me an apartment and I provided her with upfront fees for the service. She took my money and ghosted me. 

A rep from bank ask me to submit a document stating what happen, with my signature and she will notified the dispute team. After submitting the documents the on XX/XX/XXXX, the bank took almost a month before it reach the dispute team.

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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund Transfer act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 SELF / LEAD XXXXXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 non-monetary relief
Consumer complaint received 2025-03-26 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: OH

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing to formally address a concern regarding an incident I recently encountered during an attempt to withdraw my own funds from my account on XX/XX/year> at TD Bank, branch location, XXXX XXXX XXXX XXXX. XXXX, FL XXXX. During this process, I was unexpectedly asked to provide a reason for the withdrawal. I am greatly concerned about this request and the potential violation of my privacy rights that it may imply. 

As a customer, I understand that banks must follow certain regulations and procedures, particularly with regard to large transactions, to ensure compliance with laws and to prevent fraud or money laundering. However, I find the request to provide a reason for withdrawing my own money to be both unnecessary and invasive, and the fact that this particular bank and bank teller refused to disburse me my funds without a specific reason to be quite disturbing. 

More concerning is the possibility that this request could inadvertently violate my privacy rights, specifically under the Health Insurance Portability and Accountability Act ( HIPAA ), as I may be required to disclose sensitive personal information that could be directly related to my health, finances, or other confidential matters. I firmly believe that my heath and financial privacy should be respected without undue interference, and that I should not be forced to disclose sensitive details unless legally required. 

I request that your Department clarify the reason behind this request for justification and any potential legal or procedural requirements that may have prompted it. I also request that you review the TD Bank policies that may have led to this situation, ensuring that they comply with both customer privacy rights and relevant privacy laws, including HIPAA protections, and whether I am entitled to any legal recourse subject to any Federal violations. 

Please respond to this matter promptly, as I find it vital to ensure that my rights are upheld and that I am not subjected to unnecessary privacy violations. 

Thank you for your attention to this matter. Although I subsequently elected to close-out my entire account, I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a purchase using my Wells Fargo debit card in the total amount of {$8600.00}. Although the transaction was authorized, the product/service I paid for was never delivered by the merchant. I filed a dispute with Wells Fargo promptly and in good faith, but my claim was denied without a clear or justified explanation. 

This is a case of merchant non-fulfillment, not unauthorized use or buyer 's remorse. Under Regulation E of the Electronic Fund Transfer Act ( EFTA ), I am entitled to dispute a transaction when I do not receive the goods or services I paid for. Wells Fargo is required to conduct a fair and timely investigation and can not hold me responsible if the merchant failed to fulfill their obligation. 

Additionally, I am aware of other Wells Fargo customers who experienced the exact same issue with the same merchant, and their claims were approved and refunded. This raises serious concerns about inconsistent handling of disputes and unfair treatment in my case. 

I am requesting the CFPB 's assistance in having my case reopened and properly resolved, with a full refund of {$8600.00} for the goods/services I never received. I also request a formal explanation from Wells Fargo regarding the basis for their denial and how they are ensuring consistency in their dispute resolution practices.

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 2025-03-26 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-26 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-26 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Subject : Formal Complaint : Investigation of Consumer Rights Violations by NR/SMS/CAL ( Account : XXXX ) To Whom It May Concern, I am submitting this formal complaint regarding alleged violations of my consumer rights under federal law by NR/SMS/CAL, related to the mishandling of my account ( Account : XXXX ). I request that the Consumer Financial Protection Bureau investigate these violations immediately under the authority of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Below, I have outlined the specific violations I believe have occurred : Violations of Federal Law Violation of Right to Privacy under 15 U.S.C. 1681 ( Section 602 ) : The FCRA explicitly provides me with the right to privacy regarding the collection, dissemination, and use of my consumer information. I believe NR/SMS/CAL has violated this principle by mishandling my account information without proper authorization. 
Violation of Written Instruction Requirement under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) : According to the FCRA, a consumer reporting agency can not furnish a consumer report without my explicit written instructions. I did not authorize NR/SMS/CAL to access or share my credit information, and any such action was undertaken in violation of federal law. 
Violation of Timely Payment Processing under 15 U.S.C. 1666b : Under the Truth in Lending Act, creditors may not treat a payment on a credit card account under an open-end consumer credit plan as late if the payment is received by XXXX XXXX. on the due date at the specified location. I believe NR/SMS/CAL improperly treated a timely payment as late, which has negatively impacted my account and potentially my credit report. 
Outcome Desired I am requesting the CFPB to : Investigate the aforementioned violations by NR/SMS/CAL. 
Require NR/SMS/CAL to provide a full explanation of their actions regarding the alleged violations. 
Ensure that any inaccurate or improperly handled information is corrected, and all adverse actions against my account are reversed. 
Additionally, I request that any adverse impact to my credit score caused by these violations be rectified immediately. 
Supporting Information Account Number : XXXX Date of Issue : XX/XX/year> NR/SMS/CAL, if available. ] Conclusion I trust that the CFPB will take this matter seriously and conduct a thorough investigation. These violations have caused undue stress, potential harm to my financial standing, and a breach of my consumer rights under federal law. I look forward to receiving an update regarding the resolution of this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation