vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
Good afternoon, On XXXX XX/XX/XXXX, I had recorded phone conversations with Big Picture Loans regarding setting up a payment plan. 

I called the business at XXXX XXXX XXXX and first spoke with XXXX. XXXX stated that the initial monthly payment on the payment plan will begin with {$100.00} and thereafter the monthly payments will be {$490.00}. I agreed to this payment plan. 

My bank account information was already on file, yet XXXX wanted me to confirm my full banking information over the unsecured phone. I asked to speak with a supervisor because XXXX insisted on me providing my full routing and banking information over the phone. 

I was transferred to a supervisor who told me that his name is XXXX. I explained to XXXX that my banking information is already on file with Big Picture Loans and that I do not feel comfortable with providing my banking information over the phone. I added that I would like to move forward with the agreed upon payment plan. Please send me an email confirmation of the payment plan. 

XXXX told me that I will receive an email shortly of the agreed upon payment plan. I did not have to provide my banking information over the phone. 

On XXXX XX/XX/XXXX, I received an email from Big Picture Loans that they are going to process a payment on XXXX XX/XX/XXXX from my bank account for {$1400.00}. 

I responded to Big Picture Loans on XXXX XX/XX/XXXX that there is already an agreed upon payment plan. I also asked them to confirm that only {$100.00} will be deducted from my account on XXXX XX/XX/XXXX. Big Picture Loans did not respond to this email. 

Despite the payment plan that I agreed to on the XXXX XX/XX/XXXX phone call conversations with XXXX and XXXX, despite the XXXX XX/XX/XXXX email contacting them more than XXXX XXXX XXXX  before the XX/XX/XXXX transaction, and despite other documentation, Big Picture Loans withdrew {$1400.00} from my bank account on XXXX XX/XX/XXXX causing my bank account to bounce resulting in ( so far ) a {$30.00} non-sufficient fund fee. 

Big Picture Loans with their high predatory interest and unsafe practices ( lending, asking for full banking information over the phone ) did not keep the settlement agreement when I reached out to them for assistance. They ignored the XXXX XX/XX/XXXX phone conversation payment plan agreement made with XXXX and XXXX. Big Picture Loans also ignored my XXXX XX/XX/XXXX email. 

I reached out to Big Picture Loans for help. Big Picture Loans betrayed my trust and took advantage of me -- - a XXXX XXXX XXXX XXXX. Big Picture Loans has caused me emotional and financial harm by their actions. 

CFPB please help. I seek justice. I also would like to warn other consumers about this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MI

Complaint narrative:
I disputed this a few times and shown that the information was incorrect but it's still on my 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 2025-02-03 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: MD

Complaint narrative:
Tek Collect is reporting medical information to the credit bureaus and On XX/XX/year>, the CFPB finalized a rule prohibiting data furnishers and credit bureaus from reporting on medical bills and debt. 

It is against the law to report medical information. I contacted the bureaus requesting that they remove XXXX XXXXXXXX from my credit report and they did not. Not only is it prohibited but I also do not owe the amount they are stating I owe. 

I'm requesting that this is removed 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 2025-02-03 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:
Tek Collect is reporting medical information to the credit bureaus and On XX/XX/year>, the CFPB finalized a rule prohibiting data furnishers and credit bureaus from reporting on medical bills and debt. 

It is against the law to report medical information. I contacted the bureaus requesting that they remove XXXX XXXXXXXX from my credit report and they did not. Not only is it prohibited but I also do not owe the amount they are stating I owe. 

I'm requesting that this is removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: TX

Complaint narrative:
I started noticing charges to XXXX in another state. So I contacted customer service at cash app. Went through all charges. Got hung up on 4 different times called back and got different agent Everytime and had to start over Everytime. Finally got an email tan agent or I guess it was one we emailed 1 time never hurd from her again. Been dealing with this for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2025-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My husband and I had {$12000.00} in a CapitalOne 360 savings account in XXXX. This was our main savings account that held our main emergency and other long term savings. We thought this was Capital One 's best savings account. We put money into this account and grew it over the years to about {$110000.00} in XXXX. In XXXX of XXXX we were in the process of purchasing a house so we moved a large portion of our money from our CapitalOne 360 Savings account into our other bank account at XXXX XXXX XXXX XXXX XXXX XXXX. The teller at XXXX XXXX XXXX XXXX XXXX immediately told us about a Savings Plus account where we could earn a XXXX XXXX  interest rate on our money. 
A few months later we heard about the CFPB suing Capital One for not telling its customers about their better performing savings account 360 Performance. We realized we had not been getting the best deal with Capital One 's 360 Savings and we were extremely upset because we had another bank ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) be upfront with us and tell us about a better savings account. We had wasted years of saving in a worse account. We were not given the chance to opt into the 360 Performance account because we already thought we were getting the best deal with our 360 account. We had no idea there was another account called 360 Performance. Capital One never told us about their other higher yield savings account 360 Performance. 
We could have Greatly benefited from the 360 Performance account. Why did no representatives from Capital One contact us to let us know about the 360 Performance account, especially when my other bank told us right away about a better savings account when we made a deposit?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-02-03 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: TN

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-03 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:
I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I applied for a title loan at TitleMax in XXXX for {$2000.00}. Dont remember the exact date. My first payment was due XX/XX/year>. At this time my balance was $ XXXX made a {$300.00} payment and it drop to {$1800.00}. She did info me that the more I pay the more go towards the principle. So I paid an extra {$100.00} towards the loan. So exactly XXXX later which was the XXXX I called to make another payment and asked what was my total just for security or see if anymore interest had accumulated and she told me that my total was {$2100.00}. As to my surprise I was totally shocked that my loan had jumped back up that fast in XXXX XXXX. So it seemed like I only paid a {$100.00} towards my principal. XXXX on social security and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thats the reason for the loan. If I knew only XXXX XXXX goes towards the principle I wouldnt never had made that agreement but I was not informed at the beginning of this transaction. I was told my first XXXX payments were going to be different in amounts and then one set payments after that and it was like paying your credit card or car note basically. I feel totally lied to and coherence into this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-02-03 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:
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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applies to my account. These fees were assessed despite having sufficient funds available at the time the transaction was authorized. However, due to delayed posting of charges and credits, i was unfairly charged overdraft fees. 


the issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settle with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Debt owed to previous XXXX, original amount was {$4900.00} and amount was negotiated with the collection agency to {$3700.00}. I have made a few payments, {$1000.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX making the balance owed {$2200.00} as of XX/XX/XXXX. Transworld Systems Inc is reporting to the credit bureaus that the balance owed is {$3400.00} which is inaccurate. I have spoke with them regarding this and they said that they don't take it off credit reports which I think is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NY

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 non-monetary relief
Consumer complaint received 2025-02-03 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
In XXXX  I tried to contact CASHAPP about fraudulent activity on my account around XX/XX/year> for XXXX dollars and I could never get in contact with them and they closed my account due to fraud..so Im not able to get my money and they close my account in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX balance XXXX date opened XX/XX/XXXXXXXX XXXXXXXX reported XX/XX/XXXX. 
XXXX XXXX XXXX balance XXXX date opened XX/XX/XXXX XXXX reported XX/XX/XXXX. 
XXXX XXXX  Past due amount $ XXXX status ClosedDate reported XX/XX/XXXX Santander consumer. Past due amount $ XXXX statusClosedDate reported XX/XX/XXXXXXXX XXXX XXXX/ XXXX XXXX XXXX Past due amount {$2600.00} Account status Closed Date reported XX/XX/XXXX i have reported to these companies that these are not my accounts and that this is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
I am current on my mortgage with Valley National Bank. I received two mortgage statements dated XX/XX/year>. One of the statements stated I was XXXX  days delinquent and owed {$13000.00}. It said I was subject to fees and foreclosure. I am an XXXX XXXX XXXX XXXX This terrified me that I might lose my home and my payments had been going to the wrong place. My son called the bank and there was a recorded message that some statements were sent in error and should be ignored. However, I have not received a letter from the bank that this was an error. I have not been able to talk to a person since wait times on the phone are in excess of 30 minutes. The other statement I received was correct and indicated only the regular payment of {$790.00} was due.

Company response to consumer: Closed with explanation