vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony charged me over {$400.00} in interest over six months and kept account statement emails that left out the interest being paid.

I made several purchases through sweewater.com using their financing tool Synchrony Bank. I set up the Synchrony account to be on autopay so I would not forget to make a payment and be charged interest. 

I, on XX/XX/XXXX, randomly logged into my Synchrony account to check how much balance was still owed and saw in my account activity that there were several interest charges. My full statement is not even available through their website they are mailing it to my home address but since XX/XX/XXXX I have received the following interest charges without being notified. 

XX/XX/XXXX - {$42.00}, XX/XX/XXXX - {$45.00}, XX/XX/XXXX - {$46.00}, XX/XX/XXXX - {$44.00}, XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$50.00}, XX/XX/XXXX - {$51.00}, XX/XX/XXXX - {$50.00} I reached out to customer service through their online chat portal and they refused to dispute any of the interest charges.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

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 an 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
be advised that the last statement i received from comenity capital credit card was in XX/XX/XXXX which was paid in full. i NEVER received statements for XXXX or XXXX XXXX the next correspondence i received from comenity was a letter dated XX/XX/XXXX claiming that my account was overdue. upon contacting them immediately and inquiring as to why i had never received statements for XXXX or XXXX, the representative 'did not know '. he subsequently agreed to waive the late fees and the outstanding balance of {$52.00} was promptly paid over the telephone via my checking account. i can not pay a bill that i did not receive. had i received them, they absolutely would have been paid in full the day they arrived as is my habit for all of my bills. my credit history is impeccable and speaks for itself. i take great pride in my credit history. i have had a credit score in the XXXX range for approximately 35 years. i am willing to swear on a stack of bibles that this is a true and accurate statement. it is unjust and unethical to penalize me for not paying bills that were never received and i will pursue this complaint to the fullest extent of the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
i had an account with Chime bank. i had a car accident in XX/XX/scrub> 2021, leaving me in a XX/XX/XXXX and in the hospital for 3 months. they closed my account some time in XXXX with all my money still in it. when i tried to log in they told me it was closed for being inactive for too long. i called them to get it reopened and they told me i can not reopen it or make a new account & im not eligible for a refund of my own money. i spoke to the supervisor and she hung up in my face when i asked her to clearly state that i can not receive my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MS

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681 which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceedings. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensureTransunion complies with federal law and provides consumers with the necessary proof of investigation. I have made several request for the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
False Representation of Debt Amount ( 15 U.S.C. 1692e ( 2 ) Communication of False Credit Information ( 15 U.S.C. 1692e ( 8 ) ) Unfair Practices ( 15 U.S.C. 1692f ) :

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 2025-01-24 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 consistently responds within 24hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681I, WHICH MANDATES a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection Act ( XXXX ), XXXX XXXX ( a ), ( 1 ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the CFPB takes 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX account number XXXX I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including Equifax and XXXX. Recent Lawsuit Findings : In separate rulings, courts have determined that Equifax and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of Equifax and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above. Removal or correction of the inaccurate information. An updated copy of my credit report reflecting these corrections. I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. Documentation supporting my claim of inaccuracy. Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
I've had several transactions made to my account with no explanation. I've ordered new cards on different occasions and the matter is still the same, just random withdrawals and purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MS

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions that consistently responds within 24 hrs stating the account is accurate without providing any evidence of a throughly investigation, This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 168XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection ( CFPA ), 12 U.S.C. 536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the ( CFPB ) recent administrative proceedings File No. ( XXXX ) against them for similar violations. I request that the CFPB take action that XXXX complies with federal law and provides consumer with the necessary proof of investigation.

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 2025-01-24 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: MS

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions that consistently responds within 24 hrs stating the account is accurate without providing any evidence of a throughly investigation, This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection ( CFPA ), 12 U.S.C. 536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the ( CFPB ) recent administrative proceedings File No. ( XXXX ) against them for similar violations. I request that the CFPB take action that XXXX complies with federal law and provides consumer with the necessary proof of investigation.

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 2025-01-24 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: AR

Complaint narrative:
I am a victim of XX/XX/XXXXThe information listed below, which appears on my credit report, is the result of thatXX/XX/XXXX 


CLOSED ACCOUNTS 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

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 2025-01-24 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: AR

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 


CLOSED ACCOUNTS : 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 Experian XXXX XXXX XXXX Experian

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 2025-01-24 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: MA

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: AR

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 'S recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-24 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I moved from Illinois to Florida in XXXX. This agency leaves voice messages daily that I owe the state of Illinois money. I called Illinois department of revenue and they said I do not owe a debt. I mailed a cease and desist letter over 30 days ago, but they continue to call daily. I provided them my mailing address for any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: CA

Complaint narrative:
XXXX. XXXX XXXX terminated our tenancy and they gave us documentation that the ( double the rent amount as security deposit ) security deposit would be awarded to us as compensation to help facilitate our move. They agreed that we had paid our rent on time, we had never been late on the rent and that we are great tenants. 
XXXX. Recently I applied for a rental property and this ( XXXX ) appears on my credit report as a debt, when in actuality it is our refund that we should have received within 21 days. When I contacted the company, they were abrupt and dismissive, and that they had done all they were going to do for me. 
XXXX. This inaccuracy is causing mental and physical health concerns for my family, as this refund was crucial to our success in securing another property and to facilitate our move. ( at their request, to terminate our tenancy abruptly ). 
XXXX. The erroneous debt is creating a financial hardship for us, and is causing emotional harm as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. XXXX XXXXXXXX XXXX, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AK

Complaint narrative:
I had seen a collection on my account from XXXX XXXX XXXX, called XXXX XXXX XXXX and my accounts were still open and never missed a payment. I had filed a dispute with XXXX and they found nothing wrong, I then called the debt collector and found the name on the account was wrong and the address was wrong, I had told them that and also told then I do not want it updated because that is not my debt. I filed a new dispute with experian with the updated information and nothing had happened and it is still on 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 explanation