vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: MN

Complaint narrative:
Experian has 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 Consumer Financial Protection Bureau ( CFPB ) has 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 experience, where Experian has neither corrected nor removed 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 accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: MS

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I contracted a company. To build a screen room on my home. The company used synchrony bank as the finance company. On XX/XX/year> signed for a promo XXXX % APR on an amount of {$12000.00} for a 110 payments/ or until paid off they finance company synchrony bank intentionally engaged in a deceptive agreement and has charged me 26.99 % APR on the fix loan amount. 
And company has failed to provide original loan documents digitally or in paper format Which would reflect the 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 monetary relief
Consumer complaint received 2025-02-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I went on a trip to Hawaii 's XXXX XXXX and purchased a snorkeling activity voucher on XXXX for {$140.00}. However, due to weather conditions, all water activities were canceled, and I was unable to book any snorkeling dates before I left the XXXX XXXX. I called the merchant, and they advised me to contact XXXX for a refund. When I reached out to XXXX, they refused to issue a refund and only offered to add credit to my account. Since I dont typically use the app, I declined the credit. 

On XX/XX/year>, at XXXX XXXX I had already boarded a flight and left the XXXX XXXX. However, XXXX records show that my voucher was redeemed at XXXXXXXX XXXX  that same dayan impossible scenario, as I was no longer on the island and could not have participated in the snorkeling activity. This clearly indicates that XXXX falsely redeemed the voucher themselves. 

I attempted to dispute the charge with my bank, but XXXX provided evidence claiming that the voucher had been redeemed. The bank ultimately sided with XXXX and rejected my dispute. However, the bank does not allow customers to submit any evidence online to prove their case, leaving me unable to provide proof that I had already left the island before the supposed redemption time. This situation is clearly deceptive, as XXXX unilaterally redeemed the voucher and took my money without my consent.

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 monetary relief
Consumer complaint received 2025-02-11 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: CL Holdings LLC
State: MD

Complaint narrative:
XXXX has failed to fulfill its obligation under the fcra Fair credit reporting to conduct a reasonable reinvestigation of a dispute information on my credit report leave it in accurate or unverifiable accounts unresolved cfpb has recently filed a lawsuit against XXXX  a legend synthetic issues such as felons to forward consumer provided evidence to the furnitures and they have not corrected and or removed all of the incorrect accounts off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I was looking to book a XXXX flight and while searching on their website, I saw a gold XXXX XXXX XXXX : {$500.00} rebate and XXXX miles with XXXX XXXXXXXX spend. I went ahead, applied, and booked the XXXX flight right after. 

Last week, I contacted customer service to inquire about the welcome offer and I was told I was not eligible. They said I was notified during the application process which I had not. There was no pop up nor any notification. Even on the terms and conditions it mentions that Im supposed to get notified but I wasnt.

Looking at travel blogs, many people have went through a similar experience - no notification during the application. Amex are scamming their customers! The gov must take action against this false advertising.

I am very upset, I feel I was scammed. I spoke for over an hour with XXXX on XX/XX/XXXX, one of the leaders, but he refused to escalate and re-open the case for back office. With that said, I was waiting to open a XXXX card in the future, depending on the welcome offer and would have never open one with no welcome offer. 

As a loyal customer, I believe Amex can do better for their loyal customers. If the welcome offer is very strict, perhaps It will make sense to have an entire page dedicated to the eligibility before sending an application, instead of a hidden pop up. 

Looking forward to hearing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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 2025-02-11 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:
After multiple reviews of my credit report i have noticed accounts on there that weren't opened by me. I have tried multiple times to fix this recurring issue. The accounts are as listed. A " XXXX XXXX XXXX XXXX '' opened on XX/XX/XXXX with a {$23000.00} balance. A " XXXX XXXX XXXX '' opened on XX/XX/XXXX with a {$470.00} balance. A " XXXX XXXX XXXX '' opened on XX/XX/XXXX with a {$3700.00} balance.

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 2025-02-11 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: NV

Complaint narrative:
After multiple reviews of my credit report i have noticed accounts on there that weren't opened by me. I have tried multiple times to fix this recurring issue. The accounts are as listed. A " XXXX XXXX XXXX XXXX '' opened on XX/XX/XXXX with a {$23000.00} balance. A " XXXX XXXX XXXX '' opened on XX/XX/XXXX with a {$470.00} balance. A " XXXX XXXX XXXX '' opened on XX/XX/XXXX with a {$3700.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
Under the Fair Credit Billing Act ( FCBA ), I am not liable for unauthorized transactions or accounts opened fraudulently in my name. Since I did not open this account, I request its immediate closure and removal from my records. 
XXXX. Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S. Code 1681c-2 ) Blocking of Fraudulent Information The FCRA requires that fraudulent accounts be removed from my credit report XXXX  must block and remove all fraudulent information related to this account and provide written confirmation within XXXX ( XXXX  ) business days as per FCRA regulations .

XXXX. FCRA 611 ( 15 U.S. Code 1681i ) Right to Dispute Inaccurate Information I formally dispute this fraudulent account and demand that this XXXX account is removed from my credit 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 non-monetary relief
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
Under the Fair Credit Billing Act ( FCBA ), I am not liable for unauthorized transactions or accounts opened fraudulently in my name. Since I did not open this account, I request its immediate closure and removal from my records. 
XXXX. Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S. Code 1681c-2 ) Blocking of Fraudulent Information The FCRA requires that fraudulent accounts be removed from my credit report XXXX  must block and remove all fraudulent information related to this account and provide written confirmation within XXXX ( XXXX  ) business days as per FCRA regulations .

XXXX. FCRA 611 ( 15 U.S. Code 1681i ) Right to Dispute Inaccurate Information I formally dispute this fraudulent account and demand that this XXXX account is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy of late payments reported on my XXXX XXXX account : Account Number : XXXX XXXX which are negatively affecting my creditworthiness. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act - FCRA ), I have the right to dispute inaccurate or unverifiable information on my credit report. 

Disputed Late Payments Account Number : XXXX XXXX Date of Late Payment : XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX Legal Basis for Removal 15 U.S.C. 1681i ( FCRA ) : You are required to investigate all disputed items within 30 days. If XXXX XXXX can not verify these late payments with complete and accurate documentation, they must be deleted from my credit report immediately. 
15 U.S.C. 1681s-2 ( a ) ( FCRA ) : Creditors must report only accurate and verifiable information. If XXXX XXXX can not prove the legitimacy of these late payments, they must be removed under the law. 

Request for Immediate Action I request that you : 1. Conduct an immediate investigation into these late payments. 
XXXX. Request XXXX  XXXX to verify the accuracy of these late payments. 
3. Remove any unverifiable late payments from my credit report.

4. Provide a written response within 30 days as required by law.

Failure to Comply If these late payments are not removed, I will : File formal complaints with the CFPB and my State Attorney General for violations of the FCRA. 
Consider legal action for any damages caused by this inaccurate reporting. 

Please confirm in writing once these corrections have been made. If you require additional information, feel free to contact me. 

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 2025-02-11 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: MS

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IL

Complaint narrative:
I learned that my Lexis Nexis consumer report had record of an at-fault automobile accident. The accident was not-at-fault, and the date of loss was XXXX Upon learning this, I contacted XXXX, who wrote a letter in XXXXXXXX XXXX XXXX confirming that the accident was not-at-fault. 

Nevertheless, over the last 2 years, the incorrect reporting by Lexis Nexis has driven up my automobile insurance rates. 

I heavily pursued getting this corrected on Lexis Nexis ' end in the XXXX XXXX XXXX  Their correction processes have been incredibly cumbersome and it is nearly impossible to get direct answers or to speak to someone over the phone who can help. Their phone call centers lead to dead-ends. 

Lexis Nexis continues to tell me they can not even issue me a copy of my own report due to failure to verify my identity, despite providing copies over time of my driver 's license and passport. 

Nevertheless, I provided Lexis Nexis with my letter from XXXX, intended to correct the record, but Lexis Nexis didn't accept the letter and won't correspond with me.

Company response to consumer: Closed with explanation