vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year>, I made a purchase of furniture from XXXX XXXX XXXX XXXX in XXXX Florida. I financed the purchase through Synchrony Bank who is the funding source for purchases with XXXX XXXX XXXX XXXX. The were providing 12 month interest free financing for them purchase of the furniture. However, and not clearly explained to me, Synchrony Bank was charging a 2 % fee of the total purchase for this 12 month interest free financing. I unknowingly signed and agreed to this fee, and did not realize the fee was charged until I received my first billing statement. I complained to Synchrony Bank and requested that this fee be refunded. The request was denied on XXXX. My contention was that this fee was not fully explained, and also constituted up front interest charges, which added to the cost of goods. This to me is false advertising by not fully disclosing up front fees to interest free financing.

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 2025-02-16 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: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>

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 2025-02-16 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: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
My personal information and account details were shared with a third party agency without my consent or knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Nexus Nova LLC
State: MI

Complaint narrative:
Hello, My mortgage was sold to new company. Rosegate. XXXX. .I 've actively trying to pay my mortgage payment. They will not accept my payment until Monday which incures late fee. I tried to make payment to XXXX my former mortgage company. Now they said mortgage has been assumed by Rosegate. This is bs. I never heard of this bank. Just trying to make payment. I have called them and no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX : {$730.00} & XXXX XXXX VA XXXX XXXX : {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Disputed the account with Equifax and was not investigated properly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Paypal declined my {$60.00} refund request. 

Transaction ID # XXXX on XX/XX/year>2024 Paypal dispute # XXXX XXXX XXXX a purchase on XX/XX/year>2024 paying with my bank account through paypal. The seller was dishonest and advised that he had something that I asked about. He did not, so I immediately asked for a refund. He said he would give my refund but never did. I opened a dispute with paypal. I ended up escalating the dispute to get my refund. I provided paypay with many chats between the seller and me showing that he/she would give me a refund. Paypal refused to be ethical and give me a refund. Paypal unjustly sided with the seller. If they had taken the time to see that the seller lied about having what he said he had and had taken the time to read that he agreed to refund my {$60.00}, they would have given me a refund. I repeatedly asked for a refund because I already found and paid for another provider. I am unable to use what I purchased because the seller didn't have what I ordered. He flat out lied to make a sale. I should not have to wait for days for him to get his or her products in order. They should be ready to sell and ready to go as-is. I won't be paying anything via paypal again. I see how unethical they are. I did not get what I was promised and what I paid for. I need my {$60.00} refund because I can not use the service. Why is paypal making me pay for something that I can not use? It is different from what I purchased and what the seller said I was purchasing. Before I purchased, I asked if there were XXXX channels. The seller replied there were many. That was not true, so I did not purchase what I thought I was purchasing. See my attached chat history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I use American Express BlueBird prepaid instant XXXX. 

I went to XXXX XXXX at their ATM and requested cash ( XXXX ) but the Cash never came out. The ATM only said they were experiencing problems. I then went down the street to XXXX XXXX and their ATM did the same thing. However later I checked my Bluebird account and there were XXXX debits XXXX had debited the XXXX plus the fee of XXXX cents XXXX. XXXXXXXX XXXX debited a fee for XXXX cents. No money ever came out of either ATM. My XXXX XXXX gone. So I called American Express Bluebird and of course no one speaks tangible XXXX and after convincing them I was just ripped off they said something to the affect of we cant help you. We need something in writing and it could be months to resolve.Days later I received and email asking for more information in writing which I sent. Now a week later nobody wants to give updates and of course the XXXX XXXX the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Credit Karma, LLC
State: NH

Complaint narrative:
Credit Karma LLC sent me an e mail or better yet many emails stating that Ive been pre approved for a loan and or new credit cards offers and such and I would click the link and make an account and give my informed thats asked of me thinking awesome great I can get a loan or a credit card and to help me with some issues my family and I where going through, and then next thing you know were sorry about your inconvenience but were unable to help approve your application at this time because of your credit score.and Im like wait I clicked your link because you said I was pre approved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: TX

Complaint narrative:
XX/XX/year> I emailed all contact departments for Equifax on XX/XX/year> stating I have filed a formal complaint against Equifax for violating consumer reporting laws and failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite my previous reports via email to Equifaxs XXXX XXXX XXXX, Support Services, and XXXX Department, no corrective action has been taken. 
Equifax has engaged in unauthorized investigation reporting, falsely attributing statements to me claiming that I reported certain credit applications as fraudulent or disputed them. As a result of Equifax XXXX erroneous reporting, XXXX of my credit card accountson which I have an excellent payment historyhave been fraudulently closed. These closed accounts now appear on my credit report, severely damaging my credit profile. This will hinder my ability to apply for a XXXX loan to purchase a home, directly impacting on my financial stability and future. 
I demand that all XXXX of my credit card accounts be reinstated immediately and that all inaccurate comments be removed from my credit report. Additionally, I want to emphasize that I never disputed any of my accounts directly. My disputes were solely against the inaccurate and missing information reported by credit reporting agencies. 
I am also formally notifying you that I have filed complaints with FTC, CFPB, and the Texas Attorney Generals Consumer Protection Division regarding Equifaxs misconduct. Due to the significant financial burden and mental anguish this has caused, I am considering filing a civil lawsuit against Equifax for damages. 
Equifax XXXX negligence has led to unjust financial hardship and potential long-term consequences. I request an immediate investigation into this matter and expect enforcement actions to ensure compliance with federal and state consumer protection laws. Please confirm receipt of this complaint and provide guidance on any further steps I should take. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
Wells fargo auto were dishonest with fees and repossession.. I was nor given an option to get vehicle back... it was during the time of a lawsuit against Wells Fargo auto.XXXX XXXX XXXX XX/XX/year> 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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing a complaint against TransUnion for improper credit reporting and deceptive practices violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

This agency has reported a collection account originally from XXXX, but they have falsely re-aged the debt to XXXX, making it appear newer. This is a clear violation of FCRA XXXX ( c ), which limits how long negative information can be reported. The agency has misled credit bureaus and lenders by altering the date, negatively impacting my credit score and financial opportunities. 

Additionally, I have not received proper debt validation as required under FDCPA XXXX. When I disputed the inaccurate reporting, the agency failed to correct the false date or provide legitimate documentation proving the correct date of the first delinquency. This deceptive practice constitutes unfair and misleading debt collection tactics under 15 U.S.C. XXXXe. 

I request that the CFPB investigate this agency and require them to : XXXXCorrect the reporting to reflect the accurate date of delinquency. 
XXXXCease deceptive re-aging practices to misrepresent debts. 
XXXXProvide validation of the alleged debt with accurate records. 
XXXXRemove the account from my credit report if they can not verify the correct date. 

I have attached supporting documentation, including credit report entries, prior disputes, and any correspondence showing their failure to comply. This re-aging of debt is a serious violation, and I request immediate corrective 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 2025-02-16 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: IL

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 consistenly responds within XXXX 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. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I have been making my payments on time and keeping my statement balance low. One morning I woke to my credit card locked and with no credit availability. I called to find out why and the representatives continued to tell me it was because of suspicious activity on my account so I verified with them every purchase like he asked me to.I called a few days later and the representatives tells me he can not tell me at all why its canceled and to call another number which goes to voicemail. One representative told me it was closed due to suspicious activities and that it would likely go back to normal in 7-10 days and the second representative told me it was permanently closed and he couldnt tell me why. I found that strange. I did some research and noticed that XXXX XXXX XXXX already has been sued for scamming their consumers in multiple different ways. This needs to be brought to light. I know a scam when its there. This is a more like white collar scam, very intelligent how they do things I give them that they are intelligent thieves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
In XXXX I had an account review done with paypal. We submitted the necessary information in XXXX and were quickly cleared. A few weeks later we had another account review notification asking for the same information. After the holidays I called paypal a few times to confirm why they needed the same information right after we just submitted it. The representative I talked to thought it was a " mistake '' and there was no reason for them to be looking into it again, she stated she would escalate it to see if it could be removed. The very next day i woke up to a 20 % rolling reserve and most importantly {$15000.00} of money on hold as a reserve as well. This is an absolutely egregious abuse of power and terms. Doing this with no warning could sink many small businesses. We do about {$15000.00} a month in sales through paypal so withholding the {$15000.00} on top of the 20 % is unacceptable. 

I have asked them to resolve the hold multiple times but I just get the same automated answer about why they put in reserves and what on our account made them do so. 

At this time I have tried to urgently urge someone beyond the customer support team to talk to me but I can not get through to anyone with any decision making ability. I am now left to just try to close my account but I can't even do that because paypal customer service agents can not and will not give me a timeline of the release of funds if I do close the account. Some have said it could take 60days, some say 180 days but don't even tell me from what date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: SD

Complaint narrative:
Just attempted to call in a Sunday when I was still in CHURCH at XXXX on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I disputed this account with Transunion and it was not investigated properly

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 2025-02-16 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: VA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief