vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: Synovus Bank
State: GA

Complaint narrative:
I am writing to formally dispute an account that appears on my credit report, listed under account number XXXX XXXXXXXX This account was fraudulently opened in my name, and I believe the reported charge-off status is both inaccurate and damaging to my credit standing. 

I request that you immediately conduct a full investigation into the fraudulent activity associated with this account. Due to the fraudulent nature of the charge-off, I also request that you provide me with a 1099-C form, as I believe this charge-off should have been reported as canceled debt.

Additionally, the continued inaccuracy of this information is causing significant harm to my financial reputation and violates provisions under the Fair Credit Reporting Act. As a result of these inaccuracies, I intend to pursue statutory damages as permitted under the law for any harm caused by your reporting of this erroneous account. 

Please confirm the removal of this account from my credit report and provide the requested 1099-C form. I expect a prompt resolution and look forward to hearing back from you regarding the steps you will take to correct this matter.

Thank you for your immediate attention to this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally dispute an account that appears on my credit report, listed under account number XXXX XXXX This account was fraudulently opened in my name, and I believe the reported charge-off status is both inaccurate and damaging to my credit standing. 

I request that you immediately conduct a full investigation into the fraudulent activity associated with this account. Due to the fraudulent nature of the charge-off, I also request that you provide me with a 1099-C form, as I believe this charge-off should have been reported as canceled debt. 

Additionally, the continued inaccuracy of this information is causing significant harm to my financial reputation and violates provisions under the Fair Credit Reporting Act. As a result of these inaccuracies, I intend to pursue statutory damages as permitted under the law for any harm caused by your reporting of this erroneous account. 

Please confirm the removal of this account from my credit report and provide the requested 1099-C form. I expect a prompt resolution and look forward to hearing back from you regarding the steps you will take to correct this matter.

Thank you for your immediate attention to this issue. 

Sincerely,

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 2025-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I guess they let someone use my info fraud and get stuff in my name run my credit so much more

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

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perpay, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the charge-off reported by PERPAY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX which is listed as Profit & Loss on my credit report. I request an immediate investigation and correction of this inaccurate reporting under the Fair Credit Reporting Act ( FCRA ) and any applicable state laws. 
Failure to Validate : If your company is reporting this charge-off, you are required to provide full validation, including a copy of the original signed agreement and complete payment history. 
Violation of FCRA : If this charge-off is unverifiable or inaccurate, it must be removed from my credit report immediately. 
Sincerely, XXXX XXXX

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

Complaint narrative:
Im filing a complaint against Cash App ( Block Inc ) Due to inadequate customer service And unfair practices which violate CFPA. Specifically, cash app failed To take timely and effective manners To prevent an address fraud on their platform, which led my account to be vulnerable and unprotected. Furthermore, there Dispute resolution was unfair And deceptive as they did not follow the laws of EFTA and regulation E. These actions have caused significant Inconvenience and financial loss Im seeking appropriate redress for these violations

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

Complaint narrative:
I contacted Cash App regarding transactions occurring on my numerous Cash app accounts and there was no live person to speak with regarding transactions that were completed on each of my Cash App accounts This has been going on since XXXX  of XXXX.

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

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XXXX XXXX  Dear Discover Financial Services and I am writing to formally dispute the inaccurate and fraudulent account that has been readded to my credit report. The account in question is listed under the following details : Account Number : XXXX Balance : {$1400.00} Date Opened : XX/XX/year> Account Type : Credit Card Status : Charged Off This account was previously removed from my credit report as part of an investigation confirming it was fraudulent. I was XXXX  at the time this account was opened and could not have opened or authorized any such account. Despite this, it has been placed back on my report, causing undue harm to my credit and financial well-being. Additionally, this account is over seven years old and should no longer be reflected on my credit report per credit reporting regulations. 
Under the Fair Credit Reporting Act ( FCRA ), I request that this fraudulent account be permanently removed from my credit report. Please conduct an immediate investigation and provide written confirmation of your findings. I am enclosing supporting documentation, including proof of my XXXX  during the time of account origination, to validate my claim.

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

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX Bankruptcy DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Late/Open DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Late/Open XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX Bankruptcy DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Late/Open DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Late/Open XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-02-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is displaying unauthorized accounts as XX/XX/scrub>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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I kept having issues opening my account to withdraw money and filed complaints. Never heard back. Then I had fraudulant transactions that I didnt do and reached out to cash app To get information and report it was not me and They never refunded me. Tried to close my account but they wouldnt let me withdraw the money I had in there. It was a total Of {$370.00}

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

Complaint narrative:
My name is XXXX XXXX XXXX I want into bank location Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX and their phone number is Phone : ( XXXX ) XXXX today make a withdrawal and a deposit and they told me they couldn't do both my account was supposed to be closed out and they ask if I know if it was supposed to be closed out I say no and I ask them to print out the letter but they couldn't and I ask for a date when it will be closed out but they couldn't see a date on the letter they told me I want y'all to keep my account open I didn't do nothing wrong to have my account close out or verify if my account will be closed out if so when what date if not get it fixed and tell the bank it won't be closed out if it will be closed out let me get all my funds out my account in person or send me a check with all my funds and plus any credits I get to the accounts and deposits to the account and also add my welcome new customer bonus to my account for {$300.00} I never got to my account yet and send that to me in the mail by a check or allow me withdraw it out in person and allow me to do withdrawal and deposit before it get closed out if it true and also close out my saving account and checking account automatically and my ssn is XXXX my address is XXXX XXXX XXXX XXXX Pennsylvania XXXX you can contact me at XXXX etc.

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 proce 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 2025-02-02 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I went to the dentist office office for dental XXXX  and regular checkup XXXX - XX/XX/XXXX. My insurance had changed since I had gotten married and did not have the same benefits from the previous one. In any event, I was told that I had to pay out of pocket because services I needed was not covered through my new dental coverage. The dentist office ( XXXX XXXX dental ) offered me a line of credit which was called synchrony bank, who will not charge me any interests for 2 yrs and I can pay off whatever services I needed done for the future. I accepted because for one I was in extreme XXXX, and desperate for the health of my XXXX. The dental office would not go further in services had they not receive some sort of payment. The services I needed done at that time was not done right away and were services that needed to be done over a period of time because my gums needed to heal and specific materials needed to be made before being inserted into my mouth. Needless to say, I contacted my dental insurance to question why I was paying so much after a couple of visits to the office only to find out that services were in fact covered and what was not covered fully, was not as expensive as the dentist office tried to charge me out of pocket. So I did not proceed with the services and instead red flagged the doctor 's office to my dental insurance ( XXXX XXXX  ) that I was being frauded for out of pocket services and they overturned their payments stating that the dental office could not provide adequate reasoning for why they had overcharged me in the first place. And I let synchrony bank know as well but to no avail will they believe me but instead keep having me make disputes. I've made several disputes after they keep declining me because they said that the doctor 's office did do the services but was not smart enough to contact my dental insurance to see if this is true or not. I've sent documentation to prove services were not done and as I am typing this letter, I still have not had the services done. I need XXXX XXXX  and my teeth have not been protected since then and we are now in XXXX! What sense does this make? Why won't they contact my insurance company to backup my evidence? Synchrony would rather hold a debt over my head rather than take away the charges for services that was not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Dispute for XXXX on XX/XX/year> and XX/XX/year> of 2 separate charges of {$870.00}. 

I commissioned an artist, XXXX XXXX XXXX, to create a custom painting for me. On XX/XX/year>, I emailed XXXX XXXX XXXX to check on the status of the painting. She did not respond. On XX/XX/year>, I followed up again, reassuring her that she could take more time if needed. On XX/XX/year>, she finally responded, apologizing for the delay. She stated that she had been in XXXX for a gallery show and had been unable to finish the painting. She promised that the revision round would be done within the next two weeks, which meant I should have received an update by XX/XX/year>. On XX/XX/year>, I responded kindly, expressing my understanding and support for her creative process.I followed up again on XX/XX/year>, asking for any updates. I followed up once more on XX/XX/year>, but again received no response. After multiple ignored attempts to contact her via email, I also sent a message through XXXX on XX/XX/year>, requesting an update or a refund, she has blocked me on instagram. Due to non-receipt of the commissioned painting, I disputed all three payments with my credit card company. The bank approved the dispute for one payment ( {$870.00} ) but rejected the other two ( {$1700.00} total ), despite all three payments being for the same undelivered product. The bank did not provide a clear explanation for why only one charge was refunded while the other two were denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I filed a complaint that they have not responded to yet where I am receiving statements and denied access online .on XX/XX/XXXX th they reported me late for XXXX and XXXX the XXXX late was already there and supposed to be removed according to them. The XXXX one was not that was done out of retaliation. For the complaint there were XXXX XXXXXXXX other reason. Also today is 21 days before my payment is due and I am regulatingg proof it was mailed out today, emailed to me or give me access cause tomorrow they will be in violation. I would expect them to be fined

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