vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have a CareCredit credit card. I used the card in XXXX. Made a payment more than the minimum every month. They have charged me three late fees in XXXX and XXXX. They said I made the XXXX payment too early ( XXXX ). I paid the account in full on XX/XX/year>. I was charged late fees for XXXX as well. My due date is the end of the month. I made a payment every month before the due date. I called them and they refuse to take off the late fees. CareCredit uses Synchrony.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MI

Complaint narrative:
Fraudulent inquires on my transunion credit report.. I would like them remove because they were not authorized by me. They made over 50 fraudulent inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MI

Complaint narrative:
Fraudulent inquires on my transunion credit report.. I would like them remove because they were not authorized by me. They made over 50 fraudulent inquires

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
Someone through cashapp committed fraud with my XXXX  account XX/XX/year> - XX/XX/year> and took a total of {$3700.00} out of my XXXX  checking account by creating a XXXX  account and added a new payee list of names to gain access to my XXXX  account, transferred my money out my savings to my checking and then withdrew finds in {$100.00} increments at first and then {$500.00} and {$1000.00}. Someone by the name of XXXX XXXX and XXXX XXXX committed this fraud. I filed a police report and closed all my accounts, changed my email address and changed all oun numbers to all my accounts. The hackers even opened up new accounts in my name with another bank. My email address associated with cash app was XXXX but has been changed. Cash app committed fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
While checking my credit report i notice unfamiliar inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
While checking my credit report i notice unfamiliar inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I would like to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have paid. Despite having sufficient funds when transactions were authorized, I was charged fees due to the system lagging when posting charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
I am writing to formally request the immediate deletion of an account from my credit report that has already been removed from my XXXX report after a completed investigation. The account in question is : Creditor : XXXX XXXXXXXX XXXX  Account Balance : {$2700.00} Type : Charge-Off I disputed this account with XXXX, and following their investigation, they determined that the information was unverifiable and subsequently deleted the account from my XXXX credit file on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), all credit reporting agencies are required to maintain accurate and verifiable information. If XXXX has deleted the account after their investigation, this indicates that the information could not be verified. As a result, the same should apply to your records, and you must remove this account immediately. 
Additionally, per FCRA 623 ( 15 U.S.C. 1681s-2 ), data furnishers are required to provide only accurate and verifiable information to consumer reporting agencies. If an account has been deemed unverifiable by one agency, it is reasonable to conclude that it should not be reported by any other credit bureau.

I request that you complete your reinvestigation and remove this account from my credit file within 30 days, as required by FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Failure to comply within this timeframe will constitute a violation of the FCRA, and I will pursue all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under FCRA 616 ( 15 U.S.C. 1681n ) and FCRA 617 ( 15 U.S.C. 1681o ), which provide for civil liability and damages.

Please provide me with written confirmation of the deletion or the results of your reinvestigation. If you choose not to remove the account, I request a detailed explanation along with all supporting documentation used to verify the accuracy of this account. If you fail to comply, I will have no choice but to escalate this matter further. 
I appreciate your prompt attention to this matter.

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 2025-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WI

Complaint narrative:
I received an alert on my credit report for Fair Collections and Out for an amount that should not have been submitted to collections. I received a final bill upon moving out for utilities for date range XX/XX/year> - XX/XX/year> and pro-rated rent for XX/XX/year> - XX/XX/year> which was due on XX/XX/year>. I paid the bill in full on XX/XX/year> and hold proof of payment. Months later there was a collections added to my credit report with all XXXX credit reporting agencies. I disputed this a few times including proof. The dispute had been closed stating it was accurate with a statement including utilities that were already paid for and carpet replacement that was taken from our deposit. Not only did we pay for the final bill right away, and hire a cleaning service before moving out, but we also lost our deposit. I called Fair Collections twice, however they were not interested in seeing receipts/proof, only payment. They have promised to return calls but have not. I called the credit agency and they advised that their process was to send the documentation to the collection agency and they would report back if it was accurate or not. The credit agencies advised the next action would be to escalate this to CFPB. Now, I am taking the next action advised by the credit agencies which is to submit a complaint to CFPB. Please review this as it has been a barrier to secure housing for my family.

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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
There are ( 2 ) fraudulent hard inquiries on my TRANSUNION credit report. I have filed an Identity Theft report with the FTC. Ive disputed these inquiries with TRANSUNION for the last 90 days. There has been no resolution to have them removed. Im attaching an Identity Theft report in hopes this will finally resolve the fraudulent hard inquiries. The company listed in this report are below. 

XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> 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 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
During closing I did not use the monies already in my Escrow account. I wanted it to remain in my escrow account for emergencies if I could. On XXXX XXXX issued me a refund of {$2100.00}. Per XXXX I had too much money in my Escrow account. A few months later my loan was sold to Rocket Mortgage in XX/XX/XXXX - Before my loan was sold XXXX paid my taxes XX/XX/XXXX {$2400.00} using the balance left in my escrow account. Not knowing that my taxes were paid on XX/XX/XXXX I also paid my taxes {$2400.00} using my personal account at a local bank. A few days later I received a call from the tax office. The tax office said XXXX paid my taxes in XXXX they will issue me a refund. ( I received my personal refund from the tax office. ) Rocket Mortgage then pays my taxes in XXXX. The Tax office told Rocket, that XXXX paid my taxes in XXXX and that they will issue Rocket a refund of {$2400.00} to go back into my escrow. Per Rocket Mortgage they sent my escrow money back to XXXX which left me with a negative {$2400.00}. I have been trying to get them to put the money back into my escrow they will not - XXXX XXXX at Rocket Mortgage said that Rocket Mortgage sent the {$2400.00} back to XXXX XXXX XXXX have no knowledge of the money being returned back to them Rocket Mortgage is not providing a parcel # of the retuned funds information to XXXX  or to me - since all of this my mortgage has increased {$450.00} due to the XXXX shortage in my escrow account. I have been trying to get this correct for XXXXXXXX XXXX XXXX XXXXXXXX. I have all documents Also, on my credit report my Rocket Mortgage Loan increased twice XXXX XXXX it increased {$900.00} and on XX/XX/XXXX, it increased {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit A*R, Inc.
State: MI

Complaint narrative:
There's a fly-by-night car rental company, XXXX XXXX XXXX, fraudulently using a debt collection company, Summit AR, to extort money from unsuspecting customers. I rented a car in XXXX. The car 's fuel tank was nearly empty. I filled it, at my own expense which made me late for my business meeting. I both called XXXX during the trip and also made them aware of their error when I returned the car. XXXX employees at the desk promised they won't charge for the returning the car with less than a full tank of gas. However, they did charge {$150.00} for a partial tank of gas that I was in the car in the first place. Summit AR claims they can't do anything but ding my credit report and extort money to remove it. XXXX refuses to even discuss the situation saying that only Summit AR can remove the fraudulent reporting once they get money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-02-01 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: MA

Complaint narrative:
What Happened? 

I am filing this complaint against XXXX XXXX Bank XXXX due to inaccurate and unverifiable information being reported on my credit file. 
This account was closed and paid off, yet it is still negatively affecting my credit score. 
I never missed a payment, yet 60-day late payments are being reported inaccurately. 
I have disputed this multiple times with Experian, Equifax, and TransUnion, but XXXX XXXX Bank has failed to verify or correct the reporting. 
Under FCRA 611, if a furnisher can not verify an accounts accuracy, the information must be corrected or removed from my credit file. 

Requested Resolution : Remove the XXXX late payments from my credit report OR Delete the entire account if it can not be verified as accurate. 
Ensure that Experian, Equifax, and TransUnion update my records accordingly. 

I have attached supporting documents, including dispute records and my previous complaint with the FDIC ( XXXX # XXXX ) regarding this issue. 

Please update me on the status of this complaint as soon as possible.

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 2025-02-01 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: MA

Complaint narrative:
What Happened? 

I am filing this complaint against XXXX XXXX Bank XXXX due to inaccurate and unverifiable information being reported on my credit file. 
This account was closed and paid off, yet it is still negatively affecting my credit score. 
I never missed a payment, yet 60-day late payments are being reported inaccurately. 
I have disputed this multiple times with Experian, Equifax, and TransUnion, but XXXX XXXX Bank has failed to verify or correct the reporting. 
Under FCRA 611, if a furnisher can not verify an accounts accuracy, the information must be corrected or removed from my credit file. 

Requested Resolution : Remove the XXXX late payments from my credit report OR Delete the entire account if it can not be verified as accurate. 
Ensure that Experian, Equifax, and TransUnion update my records accordingly. 

I have attached supporting documents, including dispute records and my previous complaint with the FDIC ( XXXX # XXXX ) regarding this issue. 

Please update me on the status of this complaint as soon as possible.

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 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
The issue with XXXX XXXX XXXX was rectified and now this company just swooped in to add me in their frivolous claims that I owe them when I never had business with them and Issue was already resolved with the original creditor. I am a victim of fraud, and my information was stolen along with my purse. The person that stole my purse has opened several accounts in my name. I've been fighting for years to fix my credit so I can purchase a home. I need this fake account removed from my credit profile immediately. Here is my police report number is XXXX the detective that handled the case is Detective XXXX of XXXX XXXX XXXX XXXX. His direct line is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation