vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IA

Complaint narrative:
I opened my HSBC credit card in XX/XX/2024, and by early XXXX, my card was frozen, with the available credit reduced to XXXX. It has remained frozen since then, and despite my attempts to contact HSBC multiple times, there have been no updates. I am paying a high annual fee for this card, yet I have not been allowed to use it. This is an absolutely ridiculous experience. I request that the restriction on my card be lifted immediately or, alternatively, that the card be closed and a partial refund of the annual fee issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  with equifax stating late XXXX XXXX but unknown information XXXX how is that possible when I closed in XXXX. 

XXXX  XXXX XXXX not even on the report XXXX XXXX late payments XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX with XXXX stating late XXXX XXXX but unknown information XXXX how is that possible when I closed in XXXX. 

XXXX XXXX XXXX not even on the report XXXX XXXX late payments XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
XXXX with XXXX stating late XXXX XXXX but unknown information XXXX how is that possible when I closed in XXXX. 

XXXX XXXX XXXX  not even on the report XXXX XXXX late payments XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: PA

Complaint narrative:
I am a victim of identity theft, and TransUnion has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) to correct fraudulent information on my credit report. Over the course of six disputes, I have provided supporting documentation, including FTC Identity Theft Reports ATTACHED demonstrating that the following items are fraudulent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Other credit bureaus have removed these items after reasonable investigations, but TransUnion has failed to do so. Additionally, TransUnion has reinserted fraudulent items without the required notice, refused to apply a fraud block within the legally mandated four-day period, and restricted my online dispute access and me access to receiving a FREE credit report online weekly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Someone pretended to be XXXX XXXX and say I have a charge to my account that needed to be paid. The person suggested that the transaction could be made through Zelle. Then I found out the that is was fraudulent. Contacted my bankXXXX XXXX XXXX XXXX and they told me that the person was found but the money could not be returned. So I lost XXXX  of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT 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 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I opened up a Paypal account to get a reimbursement from my niece. Upon recieving the money into the account Paypal has frozen the account and refuses to say way and is holding my money now for 120 days. 

Both parties have called paypal to validate the authenticity of the transaction. Paypal still refuses to do anything. 

Refererence ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Unaware that paypal saves all companies and set them up in my account under " automatic payments ''. I've never knew of this before until last when XXXX mysteriously charged my bank account for my purchase instead of my preferred payment method on my paypal account. I set my credit card as the payment method for a bid prior to bidding. Again i've seen or had to do that either. Fast forward I won and within 30 mins post auction i changed my cc to a different one on their website thinking that's what they'd use per their terms. I have 2 transactions on the 1st cc that they tried to charge, TWO for XXXX that i wasn't aware of until logging into my paypal account. I then get a notification that my debit card was charged for XXXX. Odd because i input my cc which they allowed up until an hr after the auction. I was confused about this. I called and spoke to XXXX and XXXX. XXXX says they don't choose the card to be charged in XXXX XXXX said XXXX has an agreement with my debit card. I never signed nor agreed to any agreement to remove funds from my debit card. The old card i had on their was lost 3 yrs ago. What XXXX did was automatically update my new card in their system without me knowing. Why i didn't know? Because my old card number was still on there. If i intentionally was trying to use my debit card i would've personally input my new card number. This transaction is fraud and XXXX convinced me to open a dispute which pushed XXXX out the equation for me requesting a order cancelation. XXXX and XXXX knows exactly what they did. Adding vendors to an " automatic payment '' category without my knowledge is bull. Not only that the category is hidden, you have to dig for it. I have been trying to remove XXXX ( i didn't know it was under the auto pay ) from the category and XXXX. Everytime i log back in both are still under there. I choose my payment methods. What gives XXXX and paypal the right to choose them for me. What gives them the right to add vendors on auto pay? I'm not on auto pay on my XXXX account or XXXX for anything and never had been. The transaction is fraud and i want my money back. If the seller tries to ship i will decline it because i didn't authorize the payment to come from debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-26 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: IL

Complaint narrative:
Using my information and sharing it without my consent. Having my scores dropped when checking them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NY

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 Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025 -CFPB-0002 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been disputing the inaccurate information on my credit report with the CRA 's ( XXXX, XXXX and Equifax ). They are in violation of these consumer laws : Under 15 USC 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher that the information has been modified or deleted from the consumers file. ACCOUNT NAMES : XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: SANTANDER HOLDINGS USA, INC.
State: HI

Complaint narrative:
Car dealership sent my credit inquiries to banks and other lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: HI

Complaint narrative:
Car dealership sent my credit inquiries to banks and other lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I would like to enter my name in the XXXX complaint. I had issues with a scam but received my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CO

Complaint narrative:
After waiting 30 days from the original complaint to Equifax, I had to request again. While Equifax removed two of the four problems from the original complaint, they refuse to remove the remaining two inaccurate reportings in the complaint. I have provided them with all the proper information as is evident with the removal of the first two of the four. Here is my follow-up letter requesting the information of their investigation : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX : XXXX XXXX - XXXX | DOB : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I filed FTC Identity Theft Criminal Complaint # XXXX. I also requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally by your company. 

On XX/XX/XXXX your agency sent an email stating that you had not complied and started the investigation staging a formal police report and additional information was necessary. I wrote to clearify that I reported all necessary information of my data breach in my FTC identity theft complaint.

This letter is a formal request under FCRA 611 ( 15 U.S.C {$1600.00} ) for a detailed description of the procedure that was used by your agency in providing all information to the creditor associated with my dispute under FCRA 611 ( a ) & original CFPB complaint request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) filed with on XX/XX/XXXX. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with the information used in your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please delete each of the items, as originally requested. 
I am listing all of the items below that you continue to list erroneously. 
XXXX XXXX under the account number XXXX XXXX Card under the account number XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove each of these items immediately. 

As of today these items have not been addressed. In 30 days my attorney will begin with a lawsuit. 

Regards, Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
I got a payday loan for {$600.00} ... A few months later I didn't make no more payments. A year and a half later I get a phone call at my work saying that I needed to work out an agreement and I pay {$260.00} that day by phone and set up a payment plan.. That was in XX/XX/year> XXXX I wasnt about to make a payment because of living cost... I got a phone call two days at work saying they were garnishing my wages now which could in fact leave me homeless if not able to pay rent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I had an account with XXXX  and I had to close it because I traveled outside the USA and received a charge of {$3400.00} and then they sent me to collect with these thieves and abusers ( CREDENCE RESOURCE MANAGEMENT , LLC ) who are charging me a fee of {$1000.00} according to them these are the charges that apply but the debt is already {$5100.00} because they keep increasing it from time to time and currently the fee is {$1600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am reaching out to express my concerns about significant discrepancies I have discovered on my credit report. Upon reviewing it, I found several issues, including fraudulent entries, incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are adversely affecting my financial stability, and I urgently require your assistance in resolving them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: SC

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 1681, 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 ( File No, 2025-CFPB-0002 ) 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 Accounts not corrected XXXX XXXX Revolving with account # XXXX XXXX XXXX Installment with account # XXXX XXXX XXXX XXXX XXXX  with account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I removed an authorized user from my account but chase kept their card active and charges Im not making are still showing up. Mind you, I removed them, the card number was also changed, since Chase gives everyone the same card number on the account, they are not authorized to be doing that yet chase is allowing it. They told me to contact the merchant about it even though the merchant will not speak to me since its not my account, its the authorized users account with them. Chase is holding me responsible for these charges even though no one is authorized to spend on my account. This is against the card member agreement, and my billing rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief