vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My wife entered into a lease in XXXX with Ally Financial. I was a co-obligor although at one point I did not think that I was.

When my wife turned in the vehicle she was billed {$970.00} for damage. Ally never attempted to collect the debt from me. They did however place negative marks on my credit which resulted in me borrowing at a much higher rate than I have been accustomed. I estimate that their erroneous mark has cost me in excess of {$4000.00} in higher interest costs. They had an obligation to make demands of me or negotiate with me prior to entering a negative mark on my credit. 

Separately, on the merits, I reviewed the documentation that they provided when they attempted to charge my wife for damages. That documentation did NOT sustain the damage levels that Ally suggested. Furthermore, they were nonresponsive to letters mailed to their attention which attempted to clarify the liability. As a result of their non-responsiveness, I assumed that the matter was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
Hello From XX/XX/year> until XX/XX/year>, I Contacted Experian and asked them to remove my student loans after they were discharged by XXXX due to my XXXX. for 5 months they continually told me the loans were legitimate and that I had to repay them. My credit score plummeted over XXXX points and I have it on my credit report in a negative status.

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 2025-01-30 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: GA

Complaint narrative:
I am victim of the XXXX Databreach and several fraudulent accounts are appearing on credit report that I did not authorize and have no idea how the accounts were opened. I would like the accounts removed due to identity theft. I also did not authorize several fraudulent inquiries on my credit report 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 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. There is an account reporting fraudulently as well : XXXX XXXX Bankruptcy Case Number XXXX XXXXThis is not mine. I have included my FTC Report Number: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 2025-01-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
Shellpoint, the company, had refused to even concede the reporting was incorrect. I had been disputing late charges for the year XXXX since XXXXXXXX XXXX XXXX 

Shellpoint refused to even act for 9 months dating back to my original dispute of XXXX 

Shellpoint provided written documentation, reasserting the erroneous reporting was CORRECT most recently in XXXXXXXX XXXX XXXX 

Shellpoint continues to claim their reporting was accurate, and stating the problem was the result of XXXX incorrectly posting XXXX delinquencies in the year XXXX. 

XXXX adamantly denies this and states they can not, and will not, make the corrections without the appropriate reporting from Shellpoint. 

Shellpoint continues to insist their reporting is accurate, yet 9 months later, four CFPB complaints later, Shellpoint claims to have sent correcting documents to XXXX... 

Today is XX/XX/XXXXXXXX XXXX. I am still showing delinquencies reported by Shellpoint on an account that was PAID IN FULL, four years prior. 

Shellpoint is blatantly lying about their culpability and their lack of response. 

I will continue to generate CFPB compalints until this problem is resolved..

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 2025-01-30 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transaction Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I enquired about an auto refinance through Navy Federal. I did not expressly or implicitly give permission for a hard credit pull- I wanted to see a quote and decide whether to pursue. Navy Federal conducted a hard credit inquiry without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Negative XXXXXXXX XXXX  Potentially negative Date opened XXXX Balance {$0.00} Status Account charged off. {$250.00} written off. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$2300.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$2400.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$190.00} Status Repossession. {$54000.00} written off. {$190.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$42000.00} written off. 


Person i

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 2025-01-30 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Urgent Complaint Regarding Unresolved Credit Disputes Dear Representative Consumer Financial Protection Bureau, I am writing to formally express my frustration and concern regarding multiple unresolved disputes on my credit report that continue to negatively impact my financial well-being. Despite my repeated efforts to dispute these matters, I have yet to receive adequate responses or proof validating the accuracy of these accounts. I have specifically requested documentation confirming that these accounts belong to me and that they are being reported correctly, yet no such information has been provided. 

Furthermore, I have not received timely updates regarding the status of my disputes, leaving me feeling as though my concerns are being disregarded. The ongoing presence of these inaccurate accounts has significantly affected my lifeI have been unable to secure housing, obtain necessary financial assistance, or build a credit profile that truly reflects my character and responsibility. 

As a woman of XXXX, this experience has been particularly disheartening. The emotional distress and barriers I have faced due to these reporting issues have had a profound impact on my stability and future opportunities. I urge Experian to take immediate action to thoroughly investigate these disputes, provide me with clear and transparent updates, and correct any inaccurate information on my report. 

I expect a prompt response to this matter, as I have exhausted all previous avenues to seek resolution. Please confirm receipt of this complaint and provide an update on the next steps regarding my disputes. 

Sincerely,

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 2025-01-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
This company agreed to a less payment amount and update the amount as paid as agreed. The company agreed to a pay and delete off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Subject : Formal Dispute of Unauthorized Collection Activity Dear Sir/Mad. 
I am writing to formally dispute the collection activity reported on my account concerning an alleged credit card debt of {$820.00}, which I unequivocally deny owing. 

I have never held an account with the original creditor listed. Security Credit Services is appearing on my credit report as the original creditor, yet I have never obtained any phone service or any other service from this entity. This information is inaccurate and appears to be a case of deception or fraudulent reporting. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I ask that this disputed account be removed from my credit report if it can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Regarding Alleged Debt To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me in relation to the alleged debt referenced in your communication dated XXXX. Your continued attempts to contact me regarding this matter are not only unwarranted but also potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

I am aware of my rights under the FDCPA, and I want to remind you of your legal obligations : 1. Under FDCPA 805 ( c ), you are prohibited from communicating with me if I have informed you in writing that I refuse to pay the alleged debt or that I wish to cease communication.

2. FDCPA 805 ( a ) ( 2 ) dictates that you must cease communication if I have notified you in writing that I dispute the validity of the debt and request verification.

3. FDCPA 806 ( 5 ) specifies that you are prohibited from causing a telephone to ring or engaging in any other conduct that is intended to annoy, abuse, or harass any person.

4. FDCPA 807 ( 11 ) states that you may not use false, deceptive, or misleading representations in connection with the collection of any debt.

Given the aforementioned legal provisions, I demand that you immediately cease all communication with me regarding this alleged debt including reporting to my consumer report. Failure to comply with this request may result in my pursuing legal action against your agency for violation of the FDCPA and any other applicable laws. 

Please consider this letter as a final warning and a demand that you respect my rights as a consumer. Any further violation of the FDCPA or other consumer protection laws will not be tolerated. 

Please acknowledge receipt of this letter in writing and confirm your commitment to ceasing all communication regarding the alleged debt. Your prompt attention to this matter is expected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX my direct deposit should have come in to my capital one bank account. I did not receive it until the XXXX. My credit card from capital one was due on the XXXX. I was not able to make a payment capital one charged my a late fee and is emailing me about missing a payment. How can they charge a late fee when I was not able to make the payment due to their system problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Loans are transferred to Select Portfolio Servicing, Inc on XXXX The company wrongly added extra payments for home insurance and real estate taxes without any paperworks or notice before doing so, when those were already paid in full for the year by ourselves and escrow never asked for them. Escrow Account Closure Request form was sent on XXXX  but nothing changed 3 weeks later even after many customer complaints and phone calls to many different customer supports each said they had received the form and it would be done by the end of the week. Have already paid the principle and interest in full but keep getting notification letters of payment shorted of the extra amount we never agreed to pay.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation