vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/2025, i tried to use an exchanger to exchange XXXX dollars to XXXX. Ended up having a fee, so I sent XXXX. I never got the XXXX in XXXX, They have since deleted my ticket after I waited for XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/year> my bank PNC Bank allowed my personal account ( checking account ) to be debited/charged {$2400.00} dollars by merchant/business by the name XXXX XXXX XXXX  WITHOUT my consent approval or authorization of any kind! I didnt receive any notifications via text phone call or email from PNC prior to this transaction! 
When I contacted the bank to pursue in filing a dispute, went into complete detail with the CSR agent filing my dispute. He Reassured me that I would be receiving a PROVISIONAL CREDIT to my account for the amount within XXXX BUSINESS DAYS until a FULL INVESTIGATION which would generally take up to 90 days before its complete. 
Ive made numerous attempts reaching out to PNC talk to several CSR agents as well as XXXX Corporate Employees ( whose names I know as well ) being rude unprofessional towards me, yelled at, treated as if I am the WRONGFUL PARTY instead of the VICTIM for the past XXXX weeks! 
As of today I have yet to received ANY COMPENSATION as promised by PNC to my account! Not one penny of my money back! Instead they've been giving me every excuse in the book to prolong giving me what I am ENTITLED to as being an account holder with their bank! 
In addition Ive filed several complaints aganist the merchant as well and still nothing! 
I WANT MY MONEY! im now placed in a severe financial hardship added to being DISPLACED from my HOME concerning this FRAUD ACTIVITY that my bank allowed to take place!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servatus Corporation
State: CA

Complaint narrative:
This is my second formal complaint regarding the continued and improper reporting of a paid collection account by XXXX XXXX XXXX for a debt associated with XXXX XXXX XXXX XXXX. 

This account was paid in full, and I am in possession of an official Paid in Full letter issued by the furnisher. XXXX XXXX has confirmed verbally that the tradeline would be removed, yet the account continues to report to the credit bureaus. 

The account is being reported in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), which requires furnishers to update or correct information that is found to be inaccurate or misleading. By continuing to report a derogatory account after confirming it is resolved and promising deletion, the furnisher is in breach of its federal reporting obligations.

I am demanding immediate deletion of the tradeline from all consumer reporting agencies. This failure to act in good faith is materially harming my ability to qualify for essential housing and financial products.

I am prepared to escalate this further, including potential legal action, if this issue is not resolved within 10 business days.

Please see the attached Paid in Full documentation supporting this request.

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 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Consumer Name : XXXX XXXX Product : Auto Loan with Financed Service Contract Loan Originator : XXXX XXXX ( via Capital One Auto Finance ) Service Contract Provider : XXXX XXXX XXXX. / XXXX XXXX XXXX  Contract # : XXXX Vehicle : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Warranty Cost : {$3400.00} ( financed as part of the auto loan ) Timeline of Events : XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, IL. As part of the transaction, I financed a {$3400.00} Platinum-level extended vehicle service contract from XXXX XXXX , which was rolled into my auto loan through Capital One Auto Finance . 
At the time of sale, I was never presented with the full contract, and I was never asked to sign the agreement. The only document I received was a registration summary with a blank signature line and no attached terms and conditions. 



First Repair AXXXX XXXX XXXX : On XX/XX/XXXX, I brought my vehicle to a licensed repair facility to begin a claim under the extended warranty. 
Over the course of eight days, I had to call XXXX XXXX multiple times per day to push the claim through. It was finally approved just before the repair was completed on XX/XX/XXXX. 
During this period, I was explicitly told by a XXXX XXXX representative that I was required to return to XXXX XXXX for warranty-covered repairs because of a tie back provision. 
However, no such clause exists in the written contract, and XXXX XXXX has since confirmed there is no signed contract on file. 



Continuation Repair XXXX XXXX XXXX : On XX/XX/XXXX, I returned to the same licensed repair facility for a continuation of the original repair. 
Despite submitting everything correctly, XXXX XXXX delayed this continuation claim for 8 full business days. 
On XX/XX/XXXX, a XXXX XXXX team lead told my wife over the phone : We will not approve any future claims unless they come from XXXX XXXX. 



Contract Violations & Misrepresentation : The contract contains no mention of a tie back clause or a 100-mile dealer restriction.

The contract defines Repair Facility as any licensed shop not just the selling dealer. 
I was never shown or asked to sign the actual terms at the time of sale. 
XXXX XXXX is enforcing unwritten and post-sale conditions and retaliating against me for using a non-dealer shop. 
Their conduct includes delays, misrepresentation of policy, and denial threats in violation of the contracts written terms and consumer protection laws. 



Why Im Filing : I was sold a service contract under false pretenses, had its terms misrepresented and weaponized against me, and am now being told that I will be denied coverage for future repairs unless I comply with nonexistent terms. 

This is : Deceptive contract financing Bad faith claim handling Retaliation for asserting my rights Violation of consumer law and fair lending practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: Debois, Inc.
State: VA

Complaint narrative:
Account Name XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank, XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, The XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX, XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Creditor Name : Inquiry Date : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2025-05-29 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: MI

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} Inquiries 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

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 2025-05-29 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: MI

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} Inquiries 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX, I visited XXXX XXXX on XXXX due to a severe toothache and was advised to undergo a XXXX XXXX, which was estimated at over {$2000.00}. Unable to afford the procedure, I felt pressured into signing a contract for a payment plan. Less than XXXX hours later, I canceled the contract by both calling your office and visiting in person to confirm the cancellation. The staff member, who was the same person that initiated the contract, assured me that the cancellation was completed and no further action was required. 

In XX/XX/XXXX, I returned to XXXX XXXX for a different dental procedure. At this visit, I was informed that I had a credit sufficient to cover multiple extractions, including the tooth I initially sought treatment for. Based on this information, I proceeded with the procedure. I was told that I still had a {$400.00} credit remaining, which would be refunded to me within XXXX weeks. 

However, despite assurances, the refund was not processed and I followed up in XX/XX/XXXX. It was only in XX/XX/XXXX I was informed that the credit had been sent to XXXX XXXX. I discovered a line of credit had been opened in my name, contrary to my understanding and without my explicit consent. This revelation made it clear that the contract I canceled in XX/XX/XXXX was never properly voided, resulting in unauthorized financial activity over the course of XXXX years. 

This situation raises several serious concerns : 1. Failure to Cancel Contract : Despite explicit instructions to cancel the contract, it was not voided, leading to unwarranted financial obligations. 


2. Unauthorized Line of Credit : A credit account was opened in my name without my consent or knowledge. 


3. Mismanagement of Refund : The {$400.00} credit was never refunded to me as promised, despite multiple follow-ups. 


4. Lack of Transparency : Communication and accountability throughout this process were severely lacking.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi card ( Citi XXXX card ) changed interest on purchases before closing period

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IA

Complaint narrative:
This will be my second time disputing my 90 day late on my credit. I have attached documents showing there were no 30- or 60-day delinquency notations on my account. This goes for all my anccounts and according to my student loan calendar, my account was shown to be in good standing for XXXX, XXXX, and XXXX. This contradicts the claim of delinquency during that period. Given that my calendar indicated I was current, and that there is no record of the earlier delinquencies on my account, I believe the 90-day late mark is inaccurate. The company has stated that I was notified which I was not also had I had seen that there was a 30 and 60 day late on my account. I would have taken action, but as I was not properly notified I respectfully request that this be reviewed and removed from my credit report. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IA

Complaint narrative:
This will be my second time disputing my 90 day late on my credit. I have attached documents showing there were no 30- or 60-day delinquency notations on my account. This goes for all my anccounts and according to my XXXX XXXX calendar, my account was shown to be in good standing for XXXX, XXXX, and XXXX. This contradicts the claim of delinquency during that period. Given that my calendar indicated I was current, and that there is no record of the earlier delinquencies on my account, I believe the 90-day late mark is inaccurate. The company has stated that I was notified which I was not also had I had seen that there was a 30 and 60 day late on my account. I would have taken action, but as I was not properly notified I respectfully request that this be reviewed and removed from my credit report. Thank you for your time and consideration.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-29 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: NV

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 yea
rs.

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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute incorrect addresses listed below off my credit report with experian. My address is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I tried calling and no answer and I also cant dispute online. 

XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA 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