vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Balance {$230.00} XXXX XXXX XXXX Balance {$29000.00} Account number XXXX XXXX Date opened XXXX XXXX, XXXX XXXX XXXX Balance {$5500.00} Account number XXXX XXXX Date opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — Store credit 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: PA

Complaint narrative:
XXXXXXXX XXXX  was purchased with a Guitar Center credit card. The warranty is valid intil XXXX The equipment malfunctioned and was sent back multiple times to the warranty company ( Guitar Center XXXX Coverage through XXXX ). As a result, the equipment is still not operational. Please advise. Thank you.

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 2025-02-01 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: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I repeatdley asked for detailed accounting of withdrawal from my account XXXX starting XX/XX/year> until account no. XXXX. and all documents including the original agreement.

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 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: IN

Complaint narrative:
In XX/XX/year> I received an email from Galaxy International stating I owe a debt of {$1700.00}. The email stated the original creditor is The Bank of Missouri. I do a have a XXXX account however I do not now nor have I ever carried a balance on this card. See photo. I have never received a bill or statement regarding this bill prior to the XX/XX/2024 email. As a matter of fact I was granted an auto loan in XX/XX/year> with no issue. I do not think this would have been possible if I had a delinquent account on my credit report. I have emailed XXXX a total of three times. I have disputed the account. I included documentation in my emails. The only response I have received is that my dispute was denied and I need to pay the balance. I do not know if this is a case of identity theft or a clerical error. I have worked hard to improve my credit over the past few years. This is extremely upsetting and frustrating. 

Additionally, I do not believe The Bank of Missouri would have allowed me to have an additional account I was delinquent on another.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to bring specific in consideration in my credit report to your attention, specifically pertaining to billing errors as outline in 15 U.S.code 1666 ( B ) under the billing error category the creditors failed to accurately reflect the payment made by obligator or credit issued to the obligator on a statement a compulsion error are similar accounting error made by a creditor on a statement. Its my knowledge that the creditor fail to furnish me with the statement 21 days prior, which ought to render any ramifications of late payments regarding the link accounts, I am in pursuit to concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in and erroneous designation as late a sign of invoicing error. therefore, I am request subsequent entries be promptly updated on my consumer report to reflect their current status as follows paid as agreed my total removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: FL

Complaint narrative:
XXXX XXXX XXXX {$7400.00} reported in my account and I am unaware of this debt

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX {$7400.00} reported in my account and I am unaware of this debt

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 2025-02-01 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: Early Warning Services, LLC
State: IL

Complaint narrative:
SUBJECT : Final Demand for Compensation & Business Account Recognition FCRA, XXXX, CFPB Violations To Whom It May Concern, This letter serves as a final legal demand before proceeding with litigation against Early Warning Services for failure to compensate for financial harm and failure to acknowledge my updated business identity in violation of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Consumer Financial Protection Bureau ( CFPB ) regulations. 

Early Warning previously acknowledged errors in its reporting and deleted inaccurate records from my consumer file. However, the damage was already done. Your unlawful reporting caused financial harm, including banking denials and lost opportunities, for which I have yet to receive any compensation. Furthermore, despite receiving the proper legal documentation, your agency has failed to recognize my updated business status and continues to classify my identity incorrectly. 

XXXX. Early Warnings Violations & Financial Harm Caused Your agency deleted inaccurate records from my report but has refused to compensate me for the damages caused before deletion. 
I suffered denials from multiple banks and financial institutions due to XXXX XXXX false reporting. 
Your agency has not acknowledged my name change to a business entity despite receiving legal documentation. 

2. Legal Violations Committed by Early Warning A. Fair Credit Reporting Act ( FCRA ) Violations FCRA 623 ( 15 U.S.C. 1681s-2 ) Failure to compensate for damages caused by erroneous reporting.

FCRA 611 ( 15 U.S.C. 1681i ) Deleting an account does not erase the financial harm caused before deletion.

FCRA 616 ( 15 U.S.C. 1681n ) Willful violations entitle me to actual damages, statutory damages, and punitive damages.

B. Equal Credit Opportunity Act ( ECOA ) & CFPB Violations 12 C.F.R. 1022.42 ( Regulation V CFPB ) Your agency is required to accurately classify my business entity status, which you have not done.

12 C.F.R. 1002.6 ( b ) ( 8 ) ( ECOA ) My updated legal business name must be recognized and reflected in financial reports to prevent further discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 XXXX ( 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 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I never made this electronic purchase using my phone, I reported it to Apple Credit Card Goldman Sachs Bank USA, I spoke with the seller, the XXXX {$440.00} company, and they told me that they couldn't give me information, but they told me that they bought the tickets but that no one had them. I used it, I told them that I had not bought anything with them, and that it was fraud, I asked them to show a signature of mine or a document that I had accepted or done this and they told me that I did not have it, the bank does not help me repay this and they told me they make the charge. By law, the bank must show that I accept or sign that I purchase this document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Account : 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 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLIANT CREDIT UNION
State: SC

Complaint narrative:
I am an XXXX XXXX military member, and I have not been serviced with the care and urgency I deserve. On XX/XX/year>, I purchased a travel trailer from XXXX XXXX XXXXXXXX, SC, with financing through Alliant Credit Union. The dealership falsely claimed the trailer was winterized, yet when I connected the water for the first time in XX/XX/year>, a pipe burst immediately. A licensed technician confirmed that the trailer was never winterized, and the dealership has since admitted fault. Despite this, my warranty and insurance claims were denied, even though the trailer is still under the one-year manufacturer warranty and my extended warranty. 

Also we never received the proper table leg and havent been able to even sit or test the dining table out! We have received 4 different table legs and neither match! 

I was promised that the trailer would be ready for camping upon purchase, yet 60 days later, it remains unusable, and the issue has not been resolved in a timely manner. This negligence, both from the manufacturer and the dealer, is unacceptable. 
I have repeatedly contacted both the dealership and Alliant Credit Union to dispute the financing and seek resolution, yet the loan remains active despite the misrepresentation and defects.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
Trying to use AMEX Gift Card. Will not work anywhere. XXXX is active. Balance of {$2000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute the reporting of an inaccurate balance on a charged-off account listed on my credit report by Barclays Bank Delaware account XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate, yet this account is incorrectly reporting a balance despite being charged off. 

Nature of the Dispute : Incorrect Balance Reporting : A charge-off is an accounting action indicating that a creditor has written off the debt as uncollectible. However, Barclays Bank Delaware continues to report a balance, which may mislead creditors and negatively impact my credit profile. 
Potential FCRA Violation : The continued reporting of a balance on a charged-off account can be considered inaccurate or misleading under FCRA guidelines XXXX If the original creditor has sold the debt to a third party, it should no longer report a balance, only a charge-off status. 
Failure to Update Credit Reporting : Despite my previous attempts to dispute this issue with both the creditor and the credit bureaus, the inaccuracy persists.

Requested Action : 1. Investigation & Correction : I request that CFPB investigate Barclays Bank Delaware for its inaccurate reporting and ensure that the charged-off account reflects a zero balance if the debt has been sold or is no longer legally owed to the original creditor.

2. Verification of Compliance : I ask CFPB to ensure that the creditor is in compliance with all FCRA regulations regarding charge-off reporting. 
XXXX. Immediate Update to Credit Bureaus : If the balance is being improperly reported, I request that the CFPB direct the creditor to update the account information with XXXX, XXXX, and XXXX to reflect the correct status. 

I have attached copies of my credit reports showing the inaccurate reporting showing the reported balance that have been recently updated in 2025 despite being charged off I request that CFPB take immediate action to resolve this matter. Please provide a written response outlining the steps being taken. You may contact me at XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I never owned the vehicle and now there is a repossession on my recorded for XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
on XX/XX/XXXX of XXXX  I requested that Experian please provide me with the method the used in validating some accounts listed in the attachment and they had 15 days according to the FRCA to provide those responses and they never responded. its been more than a month and still no response.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have sent multiple letters to Experian Credit Bureau requesting that they fix my name, address, as well as employment that is on my credit report. I have only received one response stating that they fixed it except my credit report looks exactly the same. This is extremely frustrating as I only have ONE name, address, and last place of employment.

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 2025-02-01 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: TX

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 XXXX XXXX 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
Consumer complaint received 2025-02-01 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: PA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time.

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2025-02-01 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: FL

Complaint narrative:
I am formally disputing the inaccurate reporting of late payments on my consumer report related to Account # XXXX ( XXXX ) **. I have always made timely payments, and the late payments being reported on my credit file are incorrect. This erroneous reporting violates my rights under federal consumer law and must be corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to ensure that all information reported is 100 % accurate, complete, and verifiable. Specifically, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information included in consumer reports. Reporting inaccurate late payments when I have consistently paid on time is a direct violation of this provision. 

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers of information from reporting data they know or should know to be inaccurate. If the data furnisher has provided incorrect information regarding my payment history, they are in violation of this statute and must rectify the error immediately. 

I request that Equifax conduct a proper investigation into this matter and take the following corrective actions : 1. Immediately remove or correct the inaccurate late payments associated with Account # XXXXXXXX XXXX XXXX XXXX from my consumer report. 
XXXX. Provide written confirmation that the necessary corrections have been made and that the inaccurate late payments have been removed. 
XXXX. Ensure that this correction is reflected across all credit bureaus to prevent further damage to my credit profile. 

I have attached supporting documentation, including copies of my credit reports, payment records, and previous dispute attempts, to substantiate my claim. Please investigate this matter promptly and notify me of the resolution in writing. 

I trust that Equifax will adhere to its legal obligations under the FCRA and take the necessary steps to ensure that only accurate and verifiable information is reported on my consumer file. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: MS

Complaint narrative:
I am writing to formally dispute the information on my credit report that I believe is a result of the Equifax data breach that occurred in XXXX My personal information, including [, may have been affected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent activities or negative impacts you have experienced ]. Per the Fair Credit Reporting Act, I15 U.S.C.SS 1681i, which mandatesthat you investigate this matter and provide me with an updated copy of my credit report reflecting any corrections. I am including copies of any relevant documents that support my dispute.

Company response to consumer: Closed with non-monetary relief