vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and incomplete information reported on my credit file for the above-referenced account. Additionally, this account was previously disputed, yet no proper investigation was conducted, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

Inaccuracies and Federal Violations Identified : Incorrect Balance Reporting The account is reported as paid off, but no balance is displayed. If the account is paid off, the balance should reflect {$0.00} rather than being left blank.

Failure to Provide Complete Creditor Information The original creditor is missing from the report, violating FCRA guidelines that require full disclosure of account details. 

Failure to Properly Investigate Previous Dispute I previously disputed this account, but Experian failed to conduct a proper reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

The inaccurate information remains on my credit report, which is a violation of my rights under federal law. 

The report states that the account was closed in XX/XX/year>, yet also lists a last payment date of XX/XX/year>. If payments were made after closure, this is contradictory Account # 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I received no information, all disputes took over 30 days, credit bureaus remarks were " verified as reported ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 ( CPFA ). 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 requirement under ELectronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss and I seek appropriate address for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: CA

Complaint narrative:
I chose to purchase my new vehicle through XXXX because they advertise that the temporary DL provided by XXXX XXXXXXXX to me on XX/XX/year> is sufficient documentation for the delivery of the chosen vehicle their website. On XX/XX/XXXX I proceeded with a {$13000.00} ( XXXX XXXX dollars ) down payment and purchased full coverage for the vehicle which XXXX also required of me through its advertised conditions proof of insurance before the reception of my vehicle. 
First : XXXX failed to open my provided pdf.file by XXXX AM containing my two most recent pay stubs which I had provided by deadline, as well as me providing my signature for XXXX contracts. Now I have to choose my new delivery date to their soonest available appointment which is on a work day and on XX/XX/XXXX when I originally chose the XXXX. 
The XXXX comes having no contact from XXXX during the 8 days I am waiting. I have an appointment now for XXXX AM to XXXX AM. Day of delivery the delivery driver calls stating the car is beautiful and will arrive by XXXX am. Five minutes later I received a call from another XXXX employee telling me the opposite as they had advertised and I will not receive my invested vehicle .... 
Now my vehicle is back on-line for purchase when they are holing my {$13000.00} and re-selling the {$35000.00} vehicle I rightfully purchased through their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The credit card in question is reported to have been opened on XX/XX/year> and the highest balance that it inquired was {$13.00}. I only noticed that there was a card opened on my behalf because I went to my XXXX bank to acquire a car loan and they denied me due to poor credit. I then went on XXXX to freeze my credit and I called the card provider to close the account, which had already been done prior to my call for a reason unknown to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
XX/XX/year> Re : Santander Consumer USA Inc. ( Main Address ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Re : Santander Consumer USA ( Payment Address ) XXXX XXXX XXXX XXXX Texas XXXX XXXX ( {$20.00} Junk Fee assessed to my account ) I contacted Santander Consumer USA on XX/XX/year> to make a car payment online via ( ACH ). I accidentally made a payment from a recent bank account which I closed. I noticed the mistake several hours later and I contacted Santander Consumer USA the same day to have them cancel the pending payment and that I would make a correct payment out of a correct bank account which I did. 

The representative assured me that the payment was still pending and did not go through to the closed bank account and that there was plenty of time to have the payment cancelled. The representative said she would cancel the pending payment immediately. ( 2 ) days later on XX/XX/XXXX1st, I received a notification that my original payment to the closed bank account was returned.

I called Santander USA and informed them of this issue. I was informed that the original representative only put in a request for the payment to be cancelled and that her supervisor never performed their duties to fully cancel the transaction. 

On XX/XX/year> I was charged a {$20.00} fee. 

Santander Consumer USA is holding me accountable for something that they failed to perform and take responsibility to do on their own. 

This is NOT fair to me as a consumer and to hold me responsible for something that Santander Consumer USA failed to do. Santander Consumer USA is imposing a Junk Fee to my account and I would like assistance to get this issue resolved and the {$20.00} Junk Fee to be waived and removed from my account. 

The Closed Bank Account in question ( XXXX XXXX XXXX did NOT impose any fees to Santander Consumer USA whatsoever. 

If you need any additional information, please feel free to contact me. I thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/year>, at approximately XXXX PM, a process server hired by Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX arrived at my home to serve legal documents related to a debt collection lawsuit filed by XXXX XXXX for the amount of {$2900.00}. I was not home at the time, but my wife answered the door. 

During the interaction, the process server : 1. Refused to provide the documents to my wife despite her request, as I was unavailable.

2. Did not explain why he would not hand over the documents.

3. Remained outside the door for a moment, called my wife an " XXXX '' loudly, and then threw the documents toward the front door before leaving. 

This behavior was unprofessional, unnecessary, and disrespectful. The incident was captured on my homes Nest camera, and I have saved the recording. I am providing the video evidence below under the file attachment section. The actions of the process server reflect poorly on Portfolio Recovery Associates , LLC & XXXX XXXX XXXX. It shows their commitment to professional standards. I have reported this incident to the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX I am requesting corrective action, including an internal investigation into the process servers behavior, assurances that such incidents will not occur in the future, and a formal apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

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 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, Equifax '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 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. 

These are the accounts that are inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$12000.00} XXXX XXXX XXXX Account Number : XXXX - {$3800.00} XXXX XXXX Account Number : XXXX - {$2700.00} XXXX XXXX  Account Number : XXXX - {$1200.00} XXXX XXXXXXXX XXXX Account Number : XXXX - {$690.00} XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX - {$790.00} Dept of Education/XXXX  Accounts : Balances ranging from {$160.00} to {$4200.00}, as of XX/XX/XXXX. 

XXXX XXXX Account Number : XXXX - {$1600.00} XXXXXXXX XXXXXXXX XXXX Account Account Name : XXXXXXXX XXXXXXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Status : Unknown Payment History, Closed Bankruptcy Information Reference Number : XXXX Record Type : Bankruptcy XXXX XXXX - Discharged Court : XXXX XXXX XXXX XXXX XXXX Inaccurate addresses and phone numbers Addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone Numbers XXXX XXXX XXXX Remove these inaccuracies immediately. 
7. Inaccurate Employers The following employers are inaccurately listed on my credit report and must be removed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX These employers are not associated with me and must be removed. 

Numerous unauthorized inaccurate hard inquiries were made on my credit report, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Finance : Multiple dates in XXXX XXXX XXXX XXXX  : Multiple dates in XXXXXXXX XXXX XXXX XXXX Multiple dates in XXXX Additional inquiries from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want reported accounts removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Carvana Group, LLC
State: TX

Complaint narrative:
Carvana refuse to delete my personal information from their system Sharing my personal information and refusing to delete without my consent is trafficking on my estate with would cause harm to my estate and is identity theft holding refund after not providing service paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Universal Account Servicing, LLC
State: CA

Complaint narrative:
My promotion period loan got terminated 8 month ( XX/XX/XXXX ) before it ends on my contract ( XX/XX/XXXX ). In the middle of my promotional period I did miss a month of payment due to change of my credit card ( my card company reject the auto pay and thought it was fraud ), therefore my auto pay got canceled without me notice. I made payment to the company right after I found out this cancellation and restarted my auto pay with an agent by phone. But no agents mentioned anything to me about the termination of my promotional period. The company stated that I got a text massage on the termination of my promotional period which I have no record or memory at all. I did not receive any E-mail or any official statement about this termination. Also I understand this policy was stated in the contract, but there were no body going over the contract and explain it to me at the time I signed the contract.

I did contact the Universal Account Servicing , LLC and try to arrange some solution for it. the manager indicate it is not their response to remind or notice the customer the termination of the promotion, and the text massage it all they have to do, they refused to do anything other then ask for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax has been found to rely on flawed processes and defective software, resulting in the misreporting of consumer data and credit scores, causing significant harm. These systemic failures have directly impacted my financial well-being. 
Under 15 U.S.C. 1681i, you are obligated to conduct a reasonable investigation into disputed information and provide a detailed report of your findings. However, your failure to uphold these duties not only violates federal law but also disregards the rights of consumers like myself. Please see attachment for the accounts that was opened fraudulent in my name with my authorization!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My JPMOrgan Chase bank account was frozen when I complaineed anbout a debit card problem mwith a brand now debit card and the same problem happend with three new debit cards in a row! Th banl manager looked into my debit card record on her computer and questioned me " What areall thesemRedwin deuctions and what were they for? '' I explained they were donations to President Trumps Presidential campoaign and i support President Trump. Aat that point she left her office and had me wait. She went to speak with someone and returned and told me my bank account was frozen atthat point! But they are using an excuse about my attempts to withdraw funds and wire them to a foreign business that sells high end furniture to help seed the business of a friend of mine. What I was doing was totally legitimate and not a scam. BUtthey stopped the wres. IT is my money and what I wasa doing was not a scam but legitimate and I Had a contract for the furniture! 
I see it this way it is my money and this is a free country and I can do anything with my money I want to too! I did some online research abd found out CHase Bank has been debanking customers nationwide that are conservatives like myself and are biased against me for my political beliefs! They told me today that they wont be able to be my financial institution anymore and have expelled me from CHase Bank and my money if freozen and i Cant pay my bills or buy groceries or fuel for my vehicle and di n't even apologize to me about it and simply don't care about their customers! ITs my money and I need it and isn't it illegal to to discrimate against me becuse of my political affiliations. The wiresI requestedsent were totally legitimate and its none of the banks business what i do with my money! We dont live in a soicialist country Ifyou look online youwill seehundres of stories about JPMOrgan Chase Bank debanking customers if they are conservatives and the bank manager did question me about my donations to President Trumps campaign! I seriouisly feel I have been discrimminated against by JPMorganCHase Bank! becaue of my political affiiatioin and now I am behind on my bill payments and and also feel this could seriously affect my excellent credit score.

Thankyou for your time and consideration in this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX You can call the Chase Bank official handling this at XXXX - XXXX XXXX and ak for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$810.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2400.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$740.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : 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 explanation
Consumer complaint received 2025-02-03 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:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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