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 — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
While using cash app for many many years I wasn't able to get live agent or call any one for help when there was an issue. 
And they linked my last account to my brother 's information when I noticed it was incorrect and tried to fix it they just wanted me to leave all my money in the account telling me I had to create a new account.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I just checked my most recent consumer report and there is false information reporting to 2 of the 3 consumer reporting agencies. Per the USC all 3 consumer reporting agencies should have the same information reported and it should be complete and correct. My Experian report and TransUnion report are both incomplete and incorrect.

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: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My name is XXXX XXXX not XXXX XXXX I'm have in problems trying to establish lines credit due to errors found on my credit report information is I correct these accounts been on mycredt for numerous years .request they please be removed due to these accounts is fraud. Or the amount is incorrect also l have noticed companies has possibly ran my credit without permission due high inquiry. proof need to be provided bellow

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit report. Accounts in question below. 

XXXX XXXX {$68.00}

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company public response: Company disputes the facts presented in the complaint
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 — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a purchase on XXXX XXXX XXXX for {$32.00}. It took months to receive the item from the company and then when I received the item it was nothing like the photo, there wasn't even a hole for the button and I tried to contact the company. I emailed them every day for 5 days ( they had a 7 day return policy ) to ask them HOW TO MAKE return. They also had a " Contact Us '' form that I did for 5 days. When I got no response I went to Capital One where I have a checking account and said this was fraud. I saw online that many other people had to go to their financial institutions. Capital One credited my account. Months later in XXXX, Capital One then put the money back on my account. After over XXXX hours of conversations via phone they sent me paperwork to show me why. The company essentially sent them proof the item was delivered and that they sided with the company. This is a fraudulent company from XXXX and I can't believe Capital One does not protect their consumers. I sent proof I sent emails multiple times with the company. I sent a photo of the item and how the item did not look like the picture of what was delivered. It was a scam company I learned later on as I saw multiple people posted about this and their financial institutions protected them. I believe Capital One should provide the credit back of {$32.00}.

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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
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: FL

Complaint narrative:
I am writing to express my growing frustration and disappointment with your bureau 's ongoing failure to address my concerns regarding the unauthorized inquiries on my credit report. This is now the multiple time I have reached out to you about this matter, and yet the inquiries remain unresolved, which reflects poorly on Equifax 's commitment to accuracy and consumer protection. Despite providing all necessary documentation to support my disputes, your lack of action is both disheartening and unacceptable. These inquiries were not authorized by me and should never have been allowed on my credit report in the first place. By failing to address this issue, Equifax is perpetuating harm to my creditworthiness and undermining my trust in your ability to manage sensitive consumer data. 
The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct thorough investigations into disputed items and ensure the accuracy of the information they report. However, your repeated inaction suggests a disregard for these obligations and for my rights as a consumer. 
I am demanding the following actions be taken immediately : 1. Removal of Unauthorized Inquiries : All inquiries I have previously disputed as unauthorized must be promptly removed from my credit file.

2. Written Explanation : Provide a detailed explanation of why these inquiries have not been addressed despite my repeated attempts to resolve the matter. 
XXXX. Implementation of Preventative Measures : Assure me that steps will be taken to prevent unauthorized inquiries from being reported on my credit file in the future. 
This prolonged and unresolved issue has caused me unnecessary stress and frustration. 

XXXX XXXX XX/XX/XXXX XXXX XXXX

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 15 USC 1681.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and Transunion have failed 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 unresolved. The CFPB recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as Experian and Transunion 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX should not be reflected on my credit report. See attached documentation where I sent Experian a certified letter and to date, they have not responded. Again, blatantly violating my consumer rights. Additionally, please see my most recent current monthly statements from XXXX, which prove I am an existing customer and have been for almost a decade. It is not possible for me to owe XXXX for a cell phone debt, yet I am a current customer and my most recent statement shows I do not have a past due balance. As a matter of fact, I pay my bill in full each month via auto draft. See attached statements. 

Transunion was sent a certified letter dispute as well in XX/XX/year>, regarding the inaccurate, unverifiable, negligent reporting of information. To date, Transunion has not provided me a response, yet they continue to report this inaccurate information which is harming my credit worthiness and integrity.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : TRUIST BANK - XXXX - I do not recognize this at all. - Delete this immediately.

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a card reporting multiple missed payments. I dont have any knowledge of this card. It is fraud.

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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Disputes were filed with all XXXX credit bureaus on multiple occasions and the credit bureaus never completed a proper investigation.

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 misleading advertising or marketing — 
Company: MoneyLion Inc.
State: MD

Complaint narrative:
I noticed that after repaying {$210.00} USD to settle my " XXXX '' balance in full, the next XXXX amount offered me was dramatically reduced. I informed the customer service representative from MoneyLion that I strongly suspected that the lower XXXX  amount offered to might be a result of me not providing a " tip '', which is supposedly optional. The representative ( s ) from MoneyLion that communicated with me attribute the lower Instacash amount offered to me on account of my bank account information not being linked and/or " the MoneyLion system '' needing to confirm paycheck and or other deposits totaling a certain amount of money. I have NEVER had this issue with MoneyLion in the past. In fact, every time that I have repaid my XXXX balance in full, the next available XXXX amount offered me has been the same or greater. So, the explanation that my bank account is not linked or that the system does not detect paycheck or other deposits into my account is simply not accurate. I strongly believe and suspect that MoneyLion deliberately penalized me for not adding a " tip '' ( which MoneyLion clearly states is optional ) to most of my XXXX transactions. There is seemingly no limit to the tip amount that one can pledge. Additionally, I personally believe that MoneyLion uses an algorithm to MONITOR THOSE CONSUMERS WHO TIP REGULARLY and those who do not, penalizing consumers with lower or no tipping history in the form of lower Instacash offers. If the Consumer Financial Protection Bureau can prove this, it is my hope that MoneyLion be held fully accountable pursuant to any and all applicable U.S. laws. I hope that MoneyLion will submit to the Consumer Financial Protection Bureau a transcript of my online chat with MoneyLion customer service representatives. ( assuming that MoneyLion has not deleted that transcript for whatever reason ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I reached out to them regarding the limiting of payment methods on my account. I expressed it conflicts with my job and they refused to ablidge stating I would have to figure out another option. Their option cost me another {$75.00} a payment just to pay things on time. Ever since they implemented this system I have been unable to make payments without sacrificing work schedule. Due to working business hours when money payments can be paid.

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: NC

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 to 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation