vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the charge-off and profit-and-loss write-off reported on my credit file in relation to account number 1.Creditor : XXXX XXXX Account number XXXX 2.Creditor : XXXX XXXX Account number : XXXX My rights under federal law have been violated, and I demand immediate action to correct this matter.

Violations of My Rights 1. Failure to Provide a 1099-C If a debt is canceled, forgiven, or discharged in an amount of {$600.00} or more, creditors are legally required under the Internal Revenue Code ( 26 U.S. Code 6050P ) to issue IRS Form 1099-C. I have not received such documentation, which is a violation of my rights and obligations under federal tax law.

2. Inaccurate Reporting & Unjust Damage to My Credit If you have claimed this debt as a loss for tax purposes, then legally, you should no longer be reporting it as an outstanding balance on my credit file. Reporting a balance that has been charged off and counted as a loss violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and is considered inaccurate and misleading.

3. Lack of Validation & Due Process Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I have the right to request validation of any debt being reported or collected. If these charge-offs are inaccurate, and do not comply with legal reporting Im asking that they be remove immediately.

I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question is : Creditor Name : XXXX XXXX Account Number : XXXX This account is being reported inaccurately and is a violation of my rights under the FCRA. It is currently listed as a closed account, but I believe this information is incorrect and negatively impacting my credit profile. I request an immediate investigation into this matter and demand that the inaccurate information be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am submitting a formal complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair business practices, which I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to implement timely and effective measures to prevent and address fraudulent activities on its platform, leaving my account vulnerable and unprotected.

Furthermore, the companys dispute resolution process has been both unfair and misleading, as it does not comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result of these deficiencies, I have experienced significant inconvenience and financial loss.

I request that appropriate action be taken to rectify these violations and seek redress for the damages incurred. Please provide a prompt response outlining the steps Cash App intends to take to address this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: I.A.C. INC
State: NY

Complaint narrative:
XX/XX/XXXX I sent an email concerning the extra XXXX dollar fee just to pay my bill and how to avoid it. I was never answered or contacted about the matter. 
XX/XX/XXXX I emailed the financial institute about the report of a missed payment to my credit due XX/XX/XXXX when the bill was in fact paid on time. I called multiple times with no answer to the phone or email. I have not received a single reply to any of the matters

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: UT

Complaint narrative:
I had issues with the high interest with Acima they did terrible business practices and I had XXXX loans out that added tons of fees and the first loan I got was at point s tire the total amount I paid was {$950.00} the loan amount was {$600.00} thats a whomping {$350.00} in fees and taxes thats crazy the second loan I got was from XXXX XXXX and that total was {$670.00} the purchase amount was {$53.00} total in fees and taxes would be {$620.00} that is insane with Interest and fees and the last loan is with XXXX XXXX total amount is {$1300.00} the purchase amount was {$64.00} and the final amount paid In full was {$1300.00} total in fees and interest was {$1200.00} thats so much in fees and interest this company has had terrible business practices and they need to be held accountable for this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: NY

Complaint narrative:
My complaint is based on the confusion on the signup page. I sold a property and while depositing the check was encouraged to open a CD with Key Bank XXXX NY. I was given the information and told I could do it all online which I did. My issue is that the advertized rate was a XXXX percent interest rate. They had many terms listed and I selected 10 months. Unknown to me they also had woven in a XXXX interest rate which as anyone knows or can XXXX XXXX is another way to write 5 %. I signed up and at the end of ten months was rewarded {$56.00} for an investment of {$140000.00}. That as you can figure is a 99 % difference in outcome. I believe this was a deliberate plan due to the fact that no sane person would lock in and tie up any amount of money for such a ridiculous rate of interest. This was designed to create mistakes by investors with the confusing way it was explained with the two equivalent expressions of 5 %. This is the same equivalence of having a loan for 5 % next to a loan for 495 % if this was placed online it would certainly be considered predatory and so was this CD rate. I contacted the bank case # XXXX and as expected they laid all the blame on myself. I consider the above an abusive act or practice and would like corrective action by your department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the following incorrect information on my credit report : Santanderdisputed by name of source, such as creditor or collection agency, and identify type of item, such as credit account, judgment, etc.

This item is currently showing inaccurately on my credit report filed with your credit bureau.

Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit repe immediately. This statute states that any agency which fa to maintain any record with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
Please contact me at the address below to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. 
Thank you for your assistance in correcting this erroneous information on my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-02-17 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2025-02-17 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
So a while ago my mobile banking got hacked and someone sent XXXX dollars to someone using my chime tag. My account was compromised and hacked. I lost XXXX dollars and chime never gave me my money back. Now my account got hacked again for over XXXX dollars through XXXX. It is in review but that is a lot of money stolen from me I need this money back as I did not make these purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: MO

Complaint narrative:
I opened this account to try and build my credit. Shortly after opening this account, I attempted to make the payment and had a very tough time reaching someone with the company to do so by phone. My payment information had changed and there was no option to change the information online. I was advised online that this had to be done by phone. It took me more than 1 month to finally be able to reach someone from the company and by the time that I was able to do so, the account had already been reported to the credit bureau as being 30+ days past due. This account is several years old and has been closed and paid in full, yet the 1 single missed payment has greatly affected me as it is the only single payment I have ever missed that has been reported by any company. Credit bureau reports that this is affecting my store by as much as 30 points and has caused between {$4500.00} and {$7500.00} in additional interest being charged to me by other trade lines. Now the bank that Self.inc used to provide this service to me has closed, yet this is still being reported. I have spoken with agents from self.inc and they are not knowledgeable and do not assist me because the account is so old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, IA XXXX Complaint Regarding Illegal Reporting of a Commercial Loan on My Personal Consumer Credit Report Dear CFPB, I am filing this complaint against [ Lenders Name ] and [ Credit Reporting Agencys Name ] for violating the Fair Credit Reporting Act ( FCRA ) by illegally reporting a commercial loan on my personal consumer credit report. 



Details of the Complaint : - **Name of Creditor : ** XXXX  AS PER CREDIT REPORT XXXX XXXX XXXX - **Account Number ( if available ) : ** [ XXXX ] - **Date of Reporting : ** [ XX/XX/year> XX/XX/year> ] - **Credit Reporting Agency Involved : ** [ XXXX, XXXX, XXXX ] I obtained a **commercial/business loan** through [ Lenders Name ] for business purposes and **not for personal, family, or household use**. Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681a ( d ) ( 1 ) **, consumer reports should only include information related to credit transactions used primarily for personal, family, or household purposes. Reporting a business/commercial debt on my personal consumer credit report is **inaccurate, misleading, and unlawful** under the FCRA.

This illegal reporting has negatively impacted my personal credit score and financial standing. I have attempted to resolve this matter by disputing it with [ Lenders Name ] and the credit reporting agencies, but they have failed to correct or remove the improper reporting. 



# # # **Requested Resolution : ** 1. **Immediate deletion** of the commercial loan from my personal credit report by [ Credit Reporting Agencys Name ].

2. **Correction of all inaccuracies** and removal of any negative impact this illegal reporting has caused.

3. **A formal response** from both [ Lenders Name ] and the credit reporting agency , confirming compliance with FCRA requirements.

4. **Any necessary regulatory actions** by the CFPB to prevent future violations. 



I am attaching copies of my credit report, dispute letters, and any responses from the lender or credit bureau. Please investigate this matter promptly. 



Thank you for your attention to this issue. I look forward to your response. 



Sincerely, 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 explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fig Tech Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XX/XX/year> Fig Loans Texas LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX : Cease and Desist Communication Regarding Alleged Debt Dear Fig Loans LLC, This letter serves as my formal request that you cease and desist all communication with me regarding the alleged debt referenced in your previous correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me regarding this matter. 

Please be advised that I dispute the validity of this alleged debt. If you claim that I owe this debt, I request that you provide written verification, including all relevant details such as the original creditors name, account number, and itemized statements that substantiate the amount claimed. 

From this date forward, you and your agency are prohibited from contacting me via phone, mail, email, or any other form of communication regarding this debt, except for the purposes allowed under the FDCPA, such as confirming that you will cease collection efforts or providing any legal action notification if applicable. 

Failure to comply with this request may result in legal action being taken against your agency for violating my rights under the FDCPA. I expect your immediate compliance and appreciate your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: Consolidation Capital
State: FL

Complaint narrative:
I called several times and never received a call back.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-17 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief