vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: AK

Complaint narrative:
I attempted to file a identity theft report, I mailed a letter to each creditor Experian, TransUnion and XXXX for inaccuracies on my report and violating my rights under regulated too 15usc and 15-81 and other violations under these laws 15usc 1681b and 1681c-2 I have also exercised my rights under regulated statues.. and have requested they provide me with proof of there attempts to fix the errors and breached information. I am aware of my rights through the fair credit reporting act and requested through investigation into all inaccuracies witch included invalid addresses phone numbers and no proof of my concent to obtain any of my bills or bank statements and vehicle repossessions.. failing to notify me of investigation results properly these alligations undermine consumer protections and perpritrate the illusion of inaccurate information on my credit report. I am concerned my dispute has been mishandled in a similar matter and under the FCRA they are required to conduct proper investigation into my disputes and inform me of the results in a comprehensive matter. Not providing me with the information they rely on if the disputed information was verified as accurate.. so I would like to insure that incorrect or unverifiable information is corrected or removed from my credit report, if the investigation concludes the information can not be verified I am requesting the immediate removal or correction from my credit report. Furthermore I have requested written confirmation of the actions taken to in response to my dispute, sense theyve failed to resolve the matter I have reserved my write to reach out to you guys for assistance. Under 605b this information should have been removed with in four days. Letters were sent out to each credit beruo couple days ago and nothing has been done to fix the 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
Consumer complaint received 2025-02-09 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:
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 and unverifiable accounts unresolved. The Comsumer 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 removed nor corrected disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-02-09 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: KS

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am writing to request these inquiries are removed from my credit report. of the following information that appears on my Equifax Consumer report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies I dont recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX XXXX report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
I am filing a complaint against First Access Credit Card for unfair billing practices, as they have been charging me monthly fees despite my timely payments made before the due date. Under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) and Regulation Z ( 12 CFR Part 1026 ), credit card issuers must provide clear and accurate disclosures of fees, yet First Access has failed to justify these charges. This practice appears deceptive and violates UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) protections under the Dodd-Frank Act, causing unnecessary financial harm and potentially affecting my credit utilization and score. I request a full refund of these improper fees, a clear explanation of their application, and assurance that First Access complies with TILA and CFPB regulations to prevent similar issues for other consumers. I have attached my credit card statements as evidence and request an immediate investigation into this matter. 
XX/XX/XXXX 1 charge XX/XX/XXXX 1 charge XX/XX/XXXX 1 charge XX/XX/XXXX 3 charges of XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I deposited a check into my account that i was long awaiting they havent told me anything was wrong with the check the money is available in my account and has been in there and hasnt been retuned for 15-20 days already there shouldnt be any suspicion of funds as to it hasnt been retuned unpaid or anything and my account with citi bank was blocked for no reason

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 2025-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
My vehicle was XXXX  in XXXX of XXXX  after paying my monthly car note for over XXXX  years. As we were in the height of the covid pandemic and used cars were in high demand. Exeter decided to make more money on this loan. I received a refund of {$7500.00} returned to me from this vendor. This account is showing paid/closed XX/XX/year>. I have requested a XXXX for tax purposes and I have never received one. I was surprised upon requesting my credit report that this vendoe showed up on my report and under negetive account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
I am writing to formally request the removal of certain credit inquiries from my credit report. Upon reviewing my credit report, I have found that there are inquiries listed that I did not authorize or that appear to be incorrect. These inquiries are impacting my credit score and do not reflect my actual credit activity. 

The inquiries in question are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I understand that only authorized credit inquiries should appear on my credit report. Since I did not authorize these inquiries. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
XXXX, XXXX, TransUnion did not properly investigate XXXX This account needs to be deleted immediately. I have been denied credit use because of misleading and incorrect information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
XXXX, XXXX, TransUnion did not properly investigate XXXX This account needs to be deleted immediately. I have been denied credit use because of misleading and incorrect information

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 2025-02-08 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: CA

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 Acy ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the XXXX 's recent administrative proceeding ( file No. XXXX XXXX ) against them for similar violations. Request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: WA

Complaint narrative:
I made a credit card payment on XX/XX/year>, and I checked online and there was a double payment applied to my credit card account. I contacted Bank of America on XX/XX/year> and I was told I would receive the funds back in my checking account within 7 to 10 business days. I did not receive the funds in my checking account. So I called 2 weeks later and the CSR put me on hold ( for at least 15 to 30 minutes ) and reviewed the notes on my account. She then said it could take up to 30 days until I would receive credit to my checking account. I did receive documentation in the mail that the funds were sent back to my credit union checking account, but I did not receive the funds. So I called Bank of America again and the CSR said it could take up to 30 business days. I still have not received credit to my account and I believe this bank is giving me the run around. I believe I need some assistance at this point, because I believe this bank is violating Regulation E with false disclosures and replenishment of funds to my credit union account. Thank you for your assistance!

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 2025-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Last payment I made was on XX/XX/scrub> 2024. I was in a car accident on XX/XX/scrub> 2024 and was unable to make payments. This impacted my financial state as my car was listed as a total loss. The XXXX XXXX XXXX is affiliated with the same car and dealership. 

I've been unable to make payments since then. I've been charged {$500.00} of late fees and interest. Requesting involvement from CFPB to assist. Due to the stress of this matter I had an attack and was taken to the hospital on XX/XX/scrub> 2024. 

I also have insurance, affiliated with the same company that I paid additional and have received no assistance from this creditor. Requesting an investigation and involvement as quickly as possible. 

Please see attached documents : 1. Transactions listing Late fees, Interest, including last statement issued in XX/XX/XXXX. XX/XX/XXXX Hospital 3. XX/XX/XXXX Hospital 4. Total Loss Statement from XXXX 5. Year to Date XXXXXXXX XXXX XXXX  payments- does not detail all of my payments attended as their site isn't displaying this Please note my phone number listed in my profile is incorrect as it should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute an inaccurate entry on my credit report. The item in question is a car loan from XXXX XXXX XXXX XXXX, listed under account number XXXX. This loan should no longer appear on my credit report, as both my insurance company and gap insurance paid off the loan in full due to the total loss of the vehicle. Additionally, XXXX XXXX has incorrectly labeled the car as a repossession after receiving the payment from my insurance company to cover the total loss. This item has only been reported on TransUnion and XXXX, and it has already been removed from 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute an inaccurate entry on my credit report. The item in question is a car loan from XXXX XXXX XXXX XXXX, listed under account number XXXX. This loan should no longer appear on my credit report, as both my insurance company and gap insurance paid off the loan in full due to the total loss of the vehicle. Additionally, XXXX XXXX has incorrectly labeled the car as a XXXX  after receiving the payment from my insurance company to cover the total loss. This item has only been reported on XXXX and Experian, and it has already been removed from 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 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: WI

Complaint narrative:
Sent letter requesting debt validation and verification that debt is owed by me, never received requested information to validate debt despite 30+ days waiting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Listed as " Profit & Loss '' on Credit Reports from XXXX, XXXX, XXXX without removal XXXX XXXX XXXX from 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OR

Complaint narrative:
submitted a debt validation request to XXXX regarding a collection account reported by FAIR COLLECTIONS & OUT ( Account Number : XXXX ). Under FCRA 609, I requested documentation verifying the debt, including the original creditors information, a signed agreement, and proof of legal collection authority. XXXX failed to provide any of the requested documentation but continues to report this debt. 

I sent a follow-up dispute, yet XXXX still has not provided proper validation. All I received was a printout of my credit report, Under the Fair Credit Reporting Act, if a debt can not be verified, it must be removed from my credit report. XXXX continued reporting of an unverifiable debt is a direct violation of FCRA guidelines. 

Furthermore, this account is being reported and potentially collected in violation of 15 U.S. Code 1692f ( 1 ), which prohibits the attempt to collect any amount unless it is expressly authorized by the original agreement or permitted by law. Since FAIR COLLECTIONS & OUT has not provided proof of the original contract, account history, or legal authority to collect, their actions constitute unfair and deceptive debt collection practices. 

The CFPB has previously sued XXXX for failing to properly investigate consumer disputes and misleading consumers about their credit reports ( CFPB v. XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX ) XXXX This demonstrates a pattern of non-compliance with federal consumer protection laws. 

Given these violations, I request the CFPB to investigate this matter and require XXXX to delete the unverified account from my credit report immediately. If this issue is not resolved, I will pursue further legal remedies.

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 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The data breach has affected my credit report because my information was exposed.

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 2025-02-09 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 procest 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 2025-02-09 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed accounts that was report accurately that I was in fact I paid on time the consumer reporting agency need to report all information with compliance accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates my report inside is the date in month 15 USC Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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