vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: NV

Complaint narrative:
I disputed inaccurate information on my credit reports with XXXX, Equifax, and XXXX by sending dispute letters with supporting documentation on [ XXXX XXXX2024 ]. Despite their legal obligation to investigate and correct errors, the disputed items remain unchanged, and no proper resolution has been provided. These credit bureaus are currently being sued for similar violations, including failing to investigate and correct inaccurate information, which further supports my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NV

Complaint narrative:
I disputed inaccurate information on my credit reports with Experian, XXXX, and XXXX by sending dispute letters with supporting documentation on [ XXXX XXXX,2024 ]. Despite their legal obligation to investigate and correct errors, the disputed items remain unchanged, and no proper resolution has been provided. These credit bureaus are currently being sued for similar violations, including failing to investigate and correct inaccurate information, which further supports my complaint.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
Hello, my debit card was stolen on XX/XX/scrub>/23 and the thief used it to transfer {$1000.00} to their personal Cash App account. 

I contacted Cash App support and received nothing but a very long and intentionally misleading runaround because my stolen card was not linked to a Cash App account, only used to deposit money into the thief 's account. They did nothing to investigate or rectify this fraud even after I provided them with bank information, debit information, transaction ID numbers, timestamps, and a screenshot. They then told me I needed to get my bank to investigate this. 

They then closed my support ticket with no resolution, provided no information, and told me that all I could do was " reopen a ticket '' and start over. This seems like exactly the type of conduct that lead to the recent fines reported to be of over $ XXXX USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
In XXXX of 2024 I requested a forebearance. I was never granted the forebearance until I filed a complaint with the Dept. of Ed. I also applied for the SAVE repayment plan which is supposed to put me in admin. forebearnace, and I believe it may have but I've recently been taken out of forebearance. Even tho the application has not been processed. Further, I enrolled in school full time and even though studentaid.gov shows me in forebearance for being enrolled in school, Mohela is now asking for payments starting in 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 2025-01-24 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: TX

Complaint narrative:
These are the account marked as inaccurate : XXXX XXXX 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Care Credit continued to charge monthly min fees for XXXX, XXXX and XX/XX/XXXX 2024 despite me contacting the company to have a payment allocated to the non-promotional balance which was to be paid off prior to the XXXX statement closing date. A total of {$9.00} for XXXX was charged for min fees on an apparent {$2.00} balance which I was told was paid off on XXXX/XXXX/24 with the payment I made and requested allocation. When I contacted the company via chat today XX/XX/XXXX24, they stated I still had a {$2.00} balance that was subject to interest which I disputed as that was purchase was paid off already. I had to call to escalate the matter to a manager XX/XX/XXXX/24 who then reviewed and offered a credit of {$9.00} for the fees I was charged for XXXX XXXX and confirmed I did not have non-promotional balance. I am bringing this forward in hopes this company 's practices are further reviewed when I a customer requests the payment to be applied in a certain manner.

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 2025-01-24 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: NY

Complaint narrative:
Im fed up with the persistent inaccuracies on my report. These errors are causing real harm to my score and are costing me opportunities that Ive worked hard to earn. Its exhausting to keep dealing with the fallout from mistakes that are completely out of my control. How am I supposed to move forward when Im being unfairly held back by a report that isnt even accurate?

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 2025-01-24 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian will not remove the following inquiries after requested, they has duplicates and they removed those but wont remove the other inquires that arent mine. U have been removed from the other bureaus but experian refuses to remove them : XX/XX/year> - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was reviewing my credit report and noticed some inquires that do not belong to me. 

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 2025-01-24 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 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: NY

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I have a current complaint with you regarding Wakefield and associates. I have also disputed the debts with credit reporting agencies. 

In what appears to be retaliation for filing these complaints, Wakefield and associates increase the debt amount and continue to report false information to the credit reporting agencies. 

Wakefield and associates refused to provide me with any documents when requested but continue to try to " punish '' me for not complying with their extortion tactics. 

I further feel the credit reporting agencies are not properly investigating my complaint. If Wakefield and associates will not provide me with the requested documents are they providing it to the reporting agencies? If so why can't the provide it to me? 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been a victim of identity fraud theft and in results there are inquires not authorize or done by me I have previous sent in supportive documents I am requesting the following to be removed ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
All 3 credit companies have wrong address and number on my credit report. I have sent in numerous dispute and proof of my one and only address nothing has been update

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
All 3 credit companies have wrong address and number on my credit report. I have sent in numerous dispute and proof of my one and only address nothing has been update

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
My financial institution and Zelle failed to investigate my claims. 
Hang up the phone on me all week. 
I was told funds are going to be back in account sent from 10 days. Cant use my own phone number or email I currently have and is using to sign in to my bank, to sign up for Zelle. & was told my phone number is already active. No one cant seem to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MS

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 through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. SS 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. ss5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. ss 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. ss 5335 ( 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 necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im fed up with the persistent inaccuracies on my report. These errors are causing real harm to my score and are costing me opportunities that Ive worked hard to earn. Its exhausting to keep dealing with the fallout from mistakes that are completely out of my control. How am I supposed to move forward when Im being unfairly held back by a report that isnt even accurate?

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 2025-01-24 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, Goldman Sachs Bank reduced my Apple Card credit limit from {$1000.00} to {$500.00} immediately after I paid off a {$900.00} balance in full. I have been a loyal customer for over three years, always maintaining a perfect payment history with no missed payments. Despite my responsible financial behavior, the company chose to lower my limit right after I demonstrated good financial management by paying off my balance.

This decision feels unfair and punitive, as it not only undermines my efforts to improve my financial standing but also negatively impacts my credit utilization ratio and credit score. When I contacted the company to request a reinstatement of my limit or a partial refund of my payment, they refused, claiming they can not reverse credit limit decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IL

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 non-monetary relief
Consumer complaint received 2025-01-24 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:
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 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up for a Capital One 360 Savings account thinking I'd be getting the high yield interest rate. But after several years of having money in the account, I never really saw much of an interest benefit. Then I found out Capital One is being sued for intentionally misleading myself and others by not informing us that there was a second high yield savings account separate than the one I thought was the high yield savings account called : Capital One 360 PERFORMANCE Savings.

I understand there is currently a lawsuit happening. I would like to be compensated for the interest rate that I lost during the time I initially signed up with the 360 Savings account : XX/XX/scrub> 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: IA

Complaint narrative:
I was contacted by phone from someone ( whom I couldn't understand ) asking me to verify my identity and address. When I asked who was calling, they wouldn't answer and said it was for personal business matters. I received another call from the same number ( XXXX ) and they said they were calling from Credence Resource Management and they wanted to verify my name and address. I XX/XX/XXXX that company name and found it's a debt collector ( I can confirm I do not owe any debts as I run my credit often ). When I asked what business they had, they refused to tell me and they kept asking for my personal information. Every single person I talked to sounded like they were calling from XXXX. I asked them to send a letter to whomever they needed to contact and they said they couldn't do that which I found highly suspicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer. 

XXXXXX/XX/XXXXAccount XXXXXX/XX/XXXX Account XXXXXX/XX/XXXX Account XXXX XX/XX/XXXX Account XXXX XXXXXX/XX/XXXXXXXX XXXX Account XXXXXX/XX/XXXXAccount XXXX XXXX XXXX XXXX Account XXXXXX/XX/XXXX Account XXXXXX/XX/XXXX Account XXXX XX/XX/XXXX Account XXXX XX/XX/XXXX Account XXXX XX/XX/XXXX Account XXXXXX/XX/XXXX Account XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Account XXXXXX/XX/XXXX/ Account 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