vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute two unauthorized accounts that have appeared on my credit report. I recently discovered that my identity was compromised in a data breach, and I did not open these accounts. I am a victim of identity theft and request that these fraudulent accounts be removed from my credit file immediately. 
The disputed accounts are as follows : XXXX. XXXX XXXX XXXX * Account Number : [ XXXX ] * Open Date : XX/XX/XXXX * Balance : {$22000.00} * Status : Open with past due balance of {$1000.00} XXXX. Credence Resource Management ( T-Mobile Collection ) * Account Number : [ Last XXXX digits if available ] * Open Date : XX/XX/XXXX * Balance : {$1700.00} * Status : Collection Account with past due balance of {$1700.00} I did not authorize or open these accounts, and the were fraudulently created using my stolen personal information. I have enclosed copies of my credit report highlighting the disputed accounts, a police report/FTC Identity Theft Report ( if available ), and any supporting documentation. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent accounts be removed from my credit file as soon as possible. 
Please conduct an immediate investigation and provide a written response confirming the deletion or correction of these accounts. 
Additionally, I request that a fraud alert be placed on my credit file to prevent further fraudulent activity. 
Thank you for your prompt attention to this matter. Please contact me at the number below

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute two unauthorized accounts that have appeared on my credit report. I recently discovered that my identity was compromised in a data breach, and I did not open these accounts. I am a victim of identity theft and request that these fraudulent accounts be removed from my credit file immediately. 
The disputed accounts are as follows : XXXX. XXXX XXXX XXXX * Account Number : [ XXXX ] * Open Date : XX/XX/XXXX * Balance : {$22000.00} * Status : Open with past due balance of {$1000.00} XXXX. Credence Resource Management ( T-Mobile Collection ) * Account Number : [ Last XXXX digits if available ] * Open Date : XX/XX/XXXX * Balance : {$1700.00} * Status : Collection Account with past due balance of {$1700.00} I did not authorize or open these accounts, and the were fraudulently created using my stolen personal information. I have enclosed copies of my credit report highlighting the disputed accounts, a police report/FTC Identity Theft Report ( if available ), and any supporting documentation. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent accounts be removed from my credit file as soon as possible. 
Please conduct an immediate investigation and provide a written response confirming the deletion or correction of these accounts. 
Additionally, I request that a fraud alert be placed on my credit file to prevent further fraudulent activity. 
Thank you for your prompt attention to this matter. Please contact me at the number below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened my citizens account on XX/XX/2025, I deposited {$800.00} to open the account. On XX/XX/XXXX I deposited {$7800.00} in money orders. I was told the funds would be on hold until Tuesday. XX/XX/XXXX on Friday, XX/XX/XXXX. I realize that the account was closed. I was unable to access it when I called. I got XXXX answers I was hung up on after being on hold for over XXXX minutes. I called back yesterday and now Im being told that the funds are on hold with no answer as to when they will be released because of fraud. I dont understand how my money can be taken away from me with no answers theyre postal money orders. I dont have access to my account or money and no one is giving me answers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Automotive Funding Group, Inc
State: MA

Complaint narrative:
XXXX i went to the dealership, SIDE DELLAER THAT WORKS WITH XXXX  and they price gouged on vehicle I wanted to call them they close down they added gap insurers in the contract, but didn't add to payment but i was paying for it and they were saying i need to be put in more risky loan during cov 19? deceptive practice AND defrauding me out of a sale price during world emergency 's i don't understand how they are defrauding millions of people out of there hard working income and sale price the car was priced at XXXX they sold me high priced vehicle they add this price in the sale price now I stuck dealing with overpriced car they told me it was XXXX and with gap insurers they deftly deceived me

Company response to consumer: Untimely response
Consumer complaint received 2025-02-03 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MS

Complaint narrative:
I was using cash app and needed to talk to a live but could never get anyone on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


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

I demand the late payment to be updated.

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

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

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

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


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


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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


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

I demand the late payment to be updated.

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

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

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

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


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


Update the late payments from my consumer reports

Company 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 2025-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX did a consultation with my husband and I about potentially getting solar panels on XX/XX/year>. The salesperson provided deceptive practices about the benefits of solar. Some of these being : we were told that the payment would not hit credit report it was similar to a water or electric bill. This was important to us number one because we had just closed on our home on XX/XX/year> and did not want further credit hits. We were also informed that the tax credit would be more than actually was received at the time of taxes. We were also told that the annual refund we would receive from our electric company for the credits would be {$400.00} plus annually. This is by far more than we've received in the last 2 years. The average has been {$120.00}. This was determined because the rate of return we would receive is the same amount of money we were charged for electric. This was also inaccurate. 
I first received notification that my credit was hit on XX/XX/year>. I contacted the salesperson via email that this was the case as she did not answer a phone call. I followed up with GoodLeap ( loan company ) when they called to discuss the loan and payment schedule. They took a note in the system and said they would research this claim. Nothing further was provided. I asked if I was to cancel this loan process, and was told I would be responsible for any work that had already been started in this effort but would have to speak with XXXX XXXX XXXX about it directly. 
The solar panels were installed on XX/XX/year>. However, the hybrid waterheater was not available and on backorder. Also, the setup with our county electric company was not setup for 3 months. I had to already pay a payment on the solar panel loan and I wasn't even able to use the panels as all the work was not completed prior to this. I explained this situation to GoodLeap and they said there was nothing they could do. This was follow up with XXXX XXXX XXXX. 
I feel we were target with abusive practices and false statements that neither XXXX XXXX XXXX nor GoodLeap took any action on. These solar panels are more of a detriment to me at this point than a benefit. If I wasn't a credit union employee learning about these practices, I don't feel I would be aware that these practices were in fact illegal and not just suffer through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Please verify the brokerage account opened in XXXX and credit card account for bank 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 2025-02-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated the federally protected consumers rights to privacy and confidentiality under 15 USC1681. XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX & XXXX ( Originanal Creditor XXXX XXXX account XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) account # XXXX I looked at my Experian report on XX/XX/year> and noticed that somethings are incomplete and inaccurate according to the Fair Credit Reporting Act. Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy according to 15USC1681 ( e ) ( b ) And according to 15 USC1681i ( 5 ). They are suppose to do this treatment of inaccurate or un verifiable information .In general after any reinvestigation under paragraph ( 1 ) and information disputed

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CarMax, Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute two unauthorized accounts that have appeared on my credit report. I recently discovered that my identity was compromised in a data breach, and I did not open these accounts. I am a victim of identity theft and request that these fraudulent accounts be removed from my credit file immediately. 
The disputed accounts are as follows : 1. CarMax Auto Finance * Account Number : [ XXXX ] * Open Date : XX/XX/XXXX * Balance : {$22000.00} * Status : Open with past due balance of {$1000.00} XXXX. XXXX XXXX XXXX  ( XXXX  Collection ) * Account Number : [ Last four digits if available ] * Open Date : XX/XX/XXXX * Balance : {$1700.00} * Status : Collection Account with past due balance of {$1700.00} I did not authorize or open these accounts, and the were fraudulently created using my stolen personal information. I have enclosed copies of my credit report highlighting the disputed accounts, a police report/FTC Identity Theft Report ( if available ), and any supporting documentation. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent accounts be removed from my credit file as soon as possible. 
Please conduct an immediate investigation and provide a written response confirming the deletion or correction of these accounts. 
Additionally, I request that a fraud alert be placed on my credit file to prevent further fraudulent activity. 
Thank you for your prompt attention to this matter. Please contact me at the number below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
The company sent me docs for another person with different ssn and all of someone else 's information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

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 Regulation 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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AUSSRQ Holdings, LLC
State: TX

Complaint narrative:
Subject : Dispute of Debt Collection on Resolved Account To Whom It May Concern, I am writing to formally dispute a debt collection attempt that has recently appeared on my credit report. The debt in question is very old and was already resolved in XXXX. However, a third-party debt collector has contacted me regarding this account, which I believe is inaccurate and unfairly impacting my credit score. 

I previously reached out to the original creditor and the FDIC, referencing case number XXXX, and was informed that the company was unable to locate any record of this debt. This further adds to my confusion as to how a third-party collection agency is now pursuing this matter. Given that the original creditor has no record of this account, I strongly believe this collection attempt is either erroneous or fraudulent. 

I request that this matter be thoroughly investigated and that any negative reporting related to this account be removed from my credit report immediately. Additionally, I would appreciate written confirmation of the findings of your investigation. 

Please let me know if any further information is required to resolve this issue. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this. Theyve added a collection to your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: IL

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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened a XXXX with Synchrony Bank online a year or so ago. On XX/XX/year>, five days before the maturity date on the CD, I logged into my online account with Synchrony to instruct it to close the CD at maturity and to send me the proceeds at the address of record for the account. Upon doing so, I learned that there is no way to convey this instruction to Synchrony online. Literally, the only maturity instruction that the website provides is to renew the CD with Synchrony. I called the customer service number provided online and was informed that the only way that Synchrony would close the account at maturity is if I accepted a text from Synchrony AND recorded and returned to Synchrony a video of my face and a photo of my drivers license. I was then informed that Synchrony could not even do that because its system would not allow the representative to send a text to my cellphone number. I objected ( strongly ) and was informed repeatedly that this is the " only '' way to close a CD at Synchrony. 

After demanding intervention from a supervisor and waiting for an inappropriate amount of time on hold, the customer service representative all of sudden discovered another way to close my CD at maturity. She also miraculously discovered how to send a text to my cellphone number with a security code for me to read back to her. 

I believe that Synchrony deliberately makes it frustrating and difficult to close an account to deter customers from doing so. This is harassment and, among other things, clearly is an unfair and deceptive trade practice. Frankly, this should form the basis of a consumer class action against Synchrony.

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