vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: TX

Complaint narrative:
I submitted a dispute on XXXX, and I believe they have violated the Fair Credit Reporting Laws by not properly invesigating my dispute. They just marked my credit file as updated in less than 12hrs after I submitted the dispute. 

I ask that XXXX follow the law and rules and properly investigate my dispute to the fullest extent, I filed an identity theft report with the FTC, and i have attached it to this complaint as well. 

I also ask that Equifax follow the same suit with the dispute sent to them and because a XXXX has me blocked from submitting disputes via online I ask for them to open a dispute and investigate this matter as well. Failure to comply will result in me submitting further complaints

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XXXX XXXX 2024 an individual purporting to be a bail bondsman called my friend and requested bond money via cash app for a family member. My account was used to send {$270.00}. It was a scam, However, I was able to trace the account utilizing data from their Cash App account as well as other publicly available information to a XXXX XXXX in Ohio that recently served time in XXXX XXXX for XXXX  XXXX XXXX  of XXXX and XXXX XXXX of XXXX in XXXX XXXX Missouri. I notified cash app and offered to send all my supporting documentation and asked them to claw the money back and freeze the offenders account. They have refused and still allow this person with multiple XXXX to utilize their app to commit fraud. Cash-App and XXXX XXXX apparently are allowed to disregard all AML/BSA/KYC rules that every other financial institution must abide by. Their business model is to make money by facilitating fraud, and it should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I BOUGHT A NEW VEHICLE ON XXXX XXXX AT XXXX XXXX, AT XXXX XXXX XXXX XXXX, THEY GAVE XXXX AN ORIGINAL PRICE OF {$51000.00} ( WHICH INCLUDED ALL ACCESSORIES, SERVICES, AND TAXES ) AND I GAVE {$10000.00} AS A DOWN PAYMENT, ASSUMING THAT THE BALANCE WOULD BE {$41000.00} BUT THEY APPLIED MANY CHARGES THAT I DON'T UNDERSTAND, BECAUSE IN THE END OF SALE PRICE INCREASED TO {$63000.00} AND MONTHLY PAYMENTS OF {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: FL

Complaint narrative:
Hi XXXX ; This is a XXXX violations and i'm not aware of this XXXX XXXX ; i have no knowledge of this company nor the balance or it's original creditor mentioned. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: TX

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. 
Also, it is illegal these companies should NOT be furnisher peoples information to XXXX party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: TX

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now.

Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately

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 2024-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: AR

Complaint narrative:
On XX/XX/XXXX, I contacted RENTDEBT to make a payment agreement on a debt of {$33000.00}. I asked if I could pay {$200.00} a month until the debt was paid or settled. The CSR I spoke with said that would be fine. I asked for a statement confirming the payment agreement to be sent via email and mail. I was told that a agreement statement would not be possible until the debt was paid In full or settled. The reason why I asked for this is to show that I am paying the debt and to show my home loan officer to qualify for a mortgage so my family and I will no longer be homeless. I called RENTDEBT on XX/XX/XXXX to speak to a manager to be told that they would not be able to send the statement. 
Company responded on XX/XX/XXXX Response Type Closed with XXXX XXXX 's Response My name is XXXX XXXX. I am the Vice President of Compliance for RentDebt Automated Collecons, LLC ( RDAC ) and I have been asked to respond to XXXX XXXX XXXX complaint. RDAC has completed its invesgaon, and the results are as follows. XXXX XXXX account was placed with RDAC for collecon on XX/XX/XXXX, by RDACs client XXXX XXXX, with a balance of {$33000.00}. On XX/XX/XXXX, RDAC mailed its inial collecon leter to XXXX XXXX at his last known address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. That leter included the required noce of validaon rights pursuant to secon XXXX of the Fair Debt Collecon Pracces Act and that leter was not returned as undeliverable to RDAC by the XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX account to the three naonal consumer reporng agencies ( XXXX, XXXX, and XXXX ) ( CRAs ) with permission from our client, XXXX  XXXX. On XX/XX/XXXX, RDAC spoke to XXXX XXXX, during that call, XXXX XXXX verbally agreed to make {$200.00} monthly payments on his balance with XXXX  XXXX. XXXX XXXX asked if RDAC could email him a payment arrangement. The RDAC representave advised XXXX XXXX that he could not comply with the request due to RDAC company policy. RDAC has atached copies of XXXX XXXX final account statement, signed lease, and receipt the payment made on XX/XX/XXXX for {$200.00} We welcome XXXX XXXX to contact our office at XXXX Monday Thursday from XXXX to XXXX and Friday from XXXX to XXXX XXXX XXXX to discuss opons that might be available to him and to assist in resolving his account. Thank you for the opportunity to respond to this complaint. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: PA

Complaint narrative:
In accordance with Fair Credit Reporting Act. This List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX section XXXX A. States I have a right to privacy. 

15 USC1681section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This involves Capital One Case # Case # : XXXX. On XX/XX/2024, a fraudulent charge made against my Capital One credit card ( {$2800.00} USD ), by a business apparently located on XXXX in XXXX. I contacted the credit card company immediately upon recognizing the fraudulent transaction ( XX/XX/2024 ), the card was frozen and the company did an investigation. A few days later I received a letter from the CC company indicating they were allowing the charge to be billed to my account because, " Information we discovered leads us to believe you or another account user benefitted from the transactions. ". I called the CC company, spoke with an agent and explained I had not been to the business who made the charge, and made no transactions with them. The agent refused to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
While checking my credit report, on XXXX I saw a collection from CEDARS BUSINESS SERVICES, a Collection Agency on XXXX. This is not my account or never lived in that area and. I made a dispute to XXXX online and by phone. I also called the CEDARS BUSINESS SERVICE and the representative told me to provide proof of residence for XXXX. I sent the proofs via email on XX/XX/24. And when I checked my credit again XX/XX/24. It said verified and updated as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Navient calls upwards of 6 times a day. Ive explained that I can not pay the {$1500.00} a month they would like. I offer to make payments, Ive even set up 15 months of payments which mysteriously stop and then they begin the calling again. 

Ive been paying for nearly 12 years and my balance has actually increased. The university as well as Sallie Mae ( original lender ) used deceptive practices to encourage me on the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2024 I made a payment in advance as per the financial relief plan I signed with AMEX. CFPB case XXXX about {$320.00} demanded twice by American Express despite me paying them in advance. On XXXX XX/XX/2024, the American Express automatic payment was triggered again causing over draw on my account. I have opened a case with XXXX XXXX about this. I tried to talk to AMEX requesting them to stop the ACH debit from their end after I received a notification. However, they refused to do so and said I need to wait until the charge goes through and then they will refund the payment I already made on XX/XX/2024. They indicated that I must call them to prevent auto payment after making a payment. This is unfortunate, I am already making the required payment before schedule and they indicate that it is extra payment I am making if I don't indicate them 48 hours in advance. I need to purchase food using the wellsfargo account and this overdraw is causing distress because, I am borrowing to make payment. 

I have to pay other credit card from XXXX XXXX XXXX and have various expenses that must be taken care of. This overdraw is a burden and I can not fulfill this if I have to proceed with my business and personal life. I request American Express to immediately stop the ACH and prevent overdraw on my wellsfargo account in future. 

This incident is causing delay with my other legal proceedings related to business and personal life. I will not be able to fulfill the overdraw on wellsfargo considering other expenses. 

American Express case details CFPB Ref No : XXXX Ref : XXXX XXXX I have opened a claim with XXXX claim # XXXX While I called XXXX they provided a different claim number over phone ( XXXX ) but my email shows above claim number. This seems to be an attempt to trick me and justify that they weren't able to stop the automatic ACH they triggered while I was attempting to file on federal case XXXX, Federal 9th circuit appeals XXXX XXXX This kind of interference in my life is unfortunate by banks and other parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX, 2024, Experian has failed to reply or respond to my request to generate a Credit Score. I contacted customer service and they told me that they would investigate. Their website said something like : you have not used a valid credit card in over 90 days. A strange policy when generating a credit score. The other 2 Credit Reporting Agencies are reporting. I need the Credit Score for a Debt Consolidation Loan. A possible Mortgage Refinance.! Can you assist.Thanks.

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 2024-02-15 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: TX

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now.

Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporter Act XXXX " Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  and Account XXXX XXXX XXXX XXXXXXXX '' has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 section 604 A. section 2. i also state a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I spotted some unauthorized inquiries that needs to be deleted effective immediately.

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 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
We always use the promo feature when using our Care Credit card and I am diligent to make sure it pays in full before the promo expiration date. I paid {$420.00} extra ( on XX/XX/year> ) on the top promo, knowing that the final {$150.00} would come out on the regular due date ( on XX/XX/year> ) to finish paying if in full before the expiration date ( on XX/XX/year> ). When I checked the account, Care Credit had misappropriated the {$420.00} and put {$53.00} on the next promo, potentially causing the 1st promo to have missed the expiration date. They could then assess the accrued interest of almost {$260.00}, except that I caught it in time and called them. They gave the excuse that there must have been a glitch in their system. That is not acceptable, since they could have stuck us with another {$260.00} in accrued interest. I believe this is fraudulent.

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 2024-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

Company response to consumer: Closed with explanation