vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App banned my account without telling me why. I want to appeal this ban

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
Equifax if reporting an incorrect balance on my Credit Cards, XXXX has XXXX balance they are inaccurately reporting balances on both accounts, also my XXXX XXXX has a XXXX balance they are reporting inaccurate balance on my XXXX XXXX by XXXX Bank account, this account has a XXXX balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Equifax, TransUnion and Experian never deletes old account information. Debts that I have cleared are still there. Some accounts disappear and come 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 2025-02-05 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: MD

Complaint narrative:
I leased a XXXX with XXXX XXXX XX/XX/XXXX. My first payment was due at the time of lease signing. In addition, I made my second payment XX/XX/XXXX, EQUIFAX, EXPERIAN, or TRANSUNION has added to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint regarding Credit Acceptance Corporation. My account was sent to collections due to a car accident in XXXX that resulted in the vehicle being totaled. In XXXX, I contacted Credit Acceptance Corporation to negotiate a settlement for the debt, but was not given any opportunity to discuss or adjust the loan amount or the interest rate. This has caused significant financial distress. 


I am also aware of the joint lawsuit filed against Credit Acceptance Corporation in XX/XX/XXXX, which highlights alleges that Credit Acceptance Corporation engaged in deceptive and abusive practices, such as hiding loan costs, misrepresenting terms, and pushing unaffordable loans on subprime borrowers. It also accuses CAC of violating state usury laws and engaging in securities fraud by packaging these loans into investments. This adds to my concerns about the fairness and transparency in handling such cases. 

I am seeking your assistance in resolving this matter. Thank you for your attention to this issue. 

Sincerely, XXXX 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 monetary relief
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 2025-02-05 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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 2025-02-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IN

Complaint narrative:
I am writing to formally request the removal of the identity theft inquiry related to XXXX  XXXX XXXX ( XXXX ) from my credit bureau reports. This inquiry was a result of unauthorized activity and not initiated by me. 

As part of the resolution process for this identity theft incident, I kindly ask that all records of this inquiry be removed from my credit file with each of the major credit bureaus ( Equifax, Experian, and TransUnion ).

Please let me know if additional information or documentation is required to facilitate this request. I appreciate your prompt attention to this matter and look forward to your assistance in clearing my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: VA

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gingo Palumbo Law Group LLC
State: IL

Complaint narrative:
I, XXXX XXXX have According to my records, this debt was legally XXXX, and XXXX issued an IRS Form XXXX ( Cancellation of Debt ), which indicates that the debt was canceled as of XXXX. ( SEE ATTACHMENT ) Under IRS regulations ( 26 U.S.C. 6050P ), a creditor who files a 1099-C for cancellation of debt has reported to the IRS that they have forgiven the debt, which is considered settled for tax purposes. Continuing collection efforts on a canceled debt may be a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 2 ) ( A ), which prohibits misrepresenting the legal status of a debt and I may take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Once a creditor files IRS Form 1099-C ( Cancellation of Debt ), the debtor is generally no longer liable for repaying the canceled debt to the creditor. However, the debtor may have a new obligation : paying taxes on the forgiven amount because the IRS considers canceled debt as taxable income. inregards to the amount of {$63000.00} which was distributed to the debt collectors on XXXXXXXX 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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/CARE CREDIT XXXX Falsified debt and information. After I disputed this charge on my credit report the only response I got from this creditor was a Charge off.. meaning I should have received a XXXX stating Syncb has written this charge off on their taxes. This is considered statutory damages and should be removed immediately! Falsely reported

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XXXX I have conducted the payment in the amount of XXXX XXXX USD from my account with XXXX to account of XXXX XXXXXXXX XXXX XXXX opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX XXXX was designated under the XXXX XXXX XXXX. Considering this, my payment was blocked by intermediary bank on XXXX. On XXXX I applied to OFAC for a license to unblock my funds. On XXXX I have received license XXXX authorizing JP Morgan Chase Bank to return the funds to the originator. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX informing them on the fact of issuance of the above mentioned license and asking them to return the funds to my account in non-sanctioned bank. Still, JP Morgan Chase Bank has not responded. Thus, I can not receive my money even having the license authorizing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
Transunion is doing fraudlent investigations into my identity theft. XXXX and XXXX both blocked the XXXX XXXX account on my profile with the same valid evidence I sent Transunion.TransUnion is allowing illegal accounts to stay on my profile hurting me mentally and financially i have seen in the news the fraud investigations they are doinf please help me remove this illegal account immediately from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft and XXXX Data Breach Dear TransUnion Dispute Department , I am writing to formally dispute the presence of fraudulent accounts and/or inquiries on my credit report, which have resulted from identity theft. Additionally, I am a victim of the XXXX data breach, which exposed my personal information and made me vulnerable to fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these unauthorized accounts/inquiries be removed immediately from my credit report. 
The following accounts/inquiries are fraudulent and were not opened or authorized by me : 1. XXXX XXXX XXXX XXXX {$1900.00} Under the FCRA ( 15 U.S. Code 1681c-2 ), as a victim of identity theft, I have the right to request the blocking of fraudulent information from my credit report. Enclosed, you will find the following documents to support my dispute : A copy of my government-issued ID ( e.g., drivers license, passport ) A copy of my proof of residence ( e.g., utility bill, lease agreement ) A copy of my police report or FTC Identity Theft Report A copy of my credit report with the fraudulent accounts highlighted As per FCRA regulations, you are required to investigate and remove fraudulent accounts within 30 days. Additionally, I request that you send me a written confirmation once the disputed items have been resolved and removed from my credit file. 
Please consider this letter as my formal request to correct my credit report and ensure that my consumer rights under the FCRA are upheld. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, 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 2025-02-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered XXXX XXXX as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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 2025-02-05 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: PA

Complaint narrative:
I reported data breech for a vehicle under XXXX XXXX XXXX and investigation no help or notices I also reported XXXX to Be remove because it was fully paid of XXXX do not dis agree with me. XXXX dont have no answers to why would credit bureau still have my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX data breach.

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 2025-02-05 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: NJ

Complaint narrative:
On XX/XX/XXXX, my account was closed by XXXX XXXX XXXX  with a balance of {$940.00}. On XX/XX/XXXX I was contacted by XXXX XXXX XXXX regarding this closed account. They contacted me to collect the debt. I do not recall having any agreement with this company, and i attempted to dispute this matter with Eperian in 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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On or about XX/XX/year>, I could be wrong maybe it was XXXX. I cashed a check for my friend which was a Wells Fargo check the same bank I was a customer with before XX/XX/year>. When I didn't receive my paycheck, I called to see what the problem was. They connected me over too lost prevention I spoke with someone there that told me I cashed the check for XXXX twice the first time was on the XXXX of the months than on the XXXX that's why I didn't get my paycheck because they took it and paid the cashier check that I was supposedly cashed twice the first time I deposit the cashier check and it cleared instantly. The second time the lady explained to me the check was deposited at another bank which the other bank had called them to verify the check they had confirmed that the check was cashed, and funds was issued. I asked why I was paying the money back they said because I cashed the check first which don't make any sense to me I mention early the lady confirmed that another bank called weeks later to confirm the check and they told the other bank that the check was cashed, so I am sure Wells Fargo got any money back if the check was paid which I doubt it. Even after all that was said they didn't return my money close the account left me with an outstanding balance. Wait this get deeper my friend I cashed the check for XXXX XXXXXXXX had a bad run in with them the check she was cashing was a Wells Fargo from when they wrongfully closed her account 4 years back. That still don't have anythinnnng to do with me. Can someone help me

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax, TransUnion and Experian never deletes old account information. Debts that I have cleared are still there. Some accounts disappear and come back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Equifax, TransUnion and Experian never deletes old account information. Debts that I have cleared are still there. Some accounts disappear and come 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 2025-02-05 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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