23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I XXXX XXXX : I hereby submit a formal complaint against TransUnion AND transunion FOR discrimination, retaliation, bank fraud, wire fraud, and violations of the XXXX Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with transunion, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and XXXX Violations : Bank Fraud : I have reasons to believe that TransUnion AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : TransUnion AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. XXXX Violations : TransUnions AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( XXXX ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : TransUnion AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions AND XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and XXXX violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion AND XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. I CANT BUY A HOUSE IM NOW HOMELESS BECAUSE I CANT experience MY CREDIT BECAUSE THEY ARE REPORTING NEGATIVE ACCOUNTS THAT ARE NOT MINES
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I logged into the Barclays website to request a credit line increase for my Uber Credit Card. 

I submitted the CLI request and immediately received notification from various credit monitoring services that a hard inquiry was placed on my credit report ( s ). I did not approve or acknowledge this hard inquiry, nor would I have proceeded with the increase request if a hard credit report pull was being conducted. There is/was no disclaimer or opt-in for approving or acknowledging a hard inquiry. This is normally disclosed by a credit card issuer prior to submittal of credit line increase request. I have a screenshot of the page and there is no disclaimer informing the consumer that a hard credit report is inquiry is being made. This is extremely misleading. 

I would like Barclays to show where and how on the Credit Line Increase request web page where the consumer " opts-in '' and/or agrees to a hard inquiry on their credit report. Please show this page as published on XX/XX/20. 

In summary, this was an unlawful, unapproved credit inquiry.
Product: Vehicle loan or lease

I have been a customer of GM Financial for 4 years and have not yet been able to figure out how to set up automatic payments. I am currently in my second lease with them. Because my payments are not automatically scheduled and I'm not great at submitting my payments on time I have been getting charged excessive fees over and over again. 

I have been charged tens of late fee totaling XXXX XXXX XXXX and it would all be avoided if I was given the ability to set up automatic payments. 

I have been unable to figure out how to set it up in the app and support agents on the phone have been kind yet unable to instruct me on how to set that up. I have spent ages on the phone and in the app trying to figure this out. 

In summary I feel taken advantage of by not being able to easily set up automatic payments and being charged fees repeatedly. Even though I have always paid their support agents refuse to waive more than a nominal amount of the fees which I feels is unfair.
Product: Credit reporting or other personal consumer reports

The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX up until the Covid 19 COVID-19 national emergency ends. XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX Is reporting a late payment to my credit report however, I had follow all steps of making a valid payment arrangement via the CARES ACT with this company during the con reed periods however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. 

Late and missed payments CAN NOT be reported if you have already made arrangements. 

XXXX XXXX XXXX  XXXX
Product: Checking or savings account

I purchased 2 tshirts from a supposed US company from XXXX using my paypal account and never received it. I opened the below despute with paypal : Case ID XXXX Dispute amount {$38.00} USD Transaction ID XXXX Transaction amount {$38.00} USD Transaction date XX/XX/XXXX  Seller name The seller responded saying that the shipment was on its way and for me to cancel the resolution response at paypal. I told them no, its been over 2 months. The shipper immediately returned the shipment to themselved. Paypal sent me the tracking asking me to respond on the XXXX of XXXX, if not they would close the account. I did respond on that day. 

This is directly from their website and they CLOSED the case without refunding me : Your conversation with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX  XXXX I've never received the product or any delivery update from the merchant. I need a refund. 



XX/XX/2023 at XXXX XXXX  XXXX Hi XXXX, we are so sorry for the matter caused to you. The package may be returned back us. Would you like to cancel the dispute and let us reship the package to you~? 

XXXX XXXXXXXX XXXX XX/XX/2023 at XXXX XXXX  XXXX That really isn't an answer. It's been two months even coming from XXXX. It should have been here sooner. 

This case is closed I asked to speak to a supervisor when the service rep would not help. The supervisor just kept repeating PAYPAL policy about resolution and I asked him how long was I a customer - over 20 years. I said I know the policy and did respond on your website. The shipper never sent the package and the tracking says it was returned to them XXXX, the supervisor said the case was closed and HE will not do anything about it. This is not the first time that shipments from XXXX were suppose to be US companies and then when the order goes in, its from XXXX advertised on XXXX. This is also not the first time that I was refused a refund from paypal when they had concrete proof of errors. Seriously 3 months and no shipment and paypal thinks this is right.
Product: Debt collection

My home is located in an HOA that was managed by XXXX until XX/XX/XXXX. During their management numerous accounting errors were made which resulted in a $ 300+ balance that was turned over to Nagle and Zaller in XX/XX/XXXXfor collection. Specifically, these accounting errors were the recording of returned check in XX/XX/XXXX and the non-payment of dues in XX/XX/XXXX. After receiving this account, Nagle and Zaller placed a lien against my title for the $ 1600+ outstanding balance owed. I became aware of this balance upon attempting to refinance my home in XX/XX/XXXX. Over the course of the last several days I 've sent two cancelled checks showing that payment was made on this account in both XXXX and XX/XX/XXXX, effectively showing that there was never a balance owed and that this account should not have been turned over to the law office for collection. Further this proved that the lien that was placed against my title should have been immediately released as it was stemming from accounting errors on the part of their client, XXXX.
Product: Credit reporting or other personal consumer reports

Complaint : I previously submitted a complaint regarding the non-reporting of my XXXX XXXX account by XXXX XXXX to the credit bureaus ( TransUnion, XXXX, and XXXX ). My name is XXXX XXXX XXXX, and my email is XXXX. 

On XX/XX/year>, I contacted XXXX XXXX support regarding the incorrect reporting of my account. The investigation determined that my XXXX XXXX account had not been reported correctly, and I was assured that this would be rectified. On XX/XX/year>, I was informed that the necessary updates were sent to the credit bureaus, with a timeframe of 30 days for the changes to reflect on my credit report. Despite this, as of today, the issue remains unresolved. I need to know if this notice was sent already and what was sent. 

Additionally, I recently spoke with a supervisor, XXXX XXXX, who evaded my questions regarding this issue and abruptly closed the chat without providing a resolution. I am seeking your assistance in resolving this matter as soon as possible, as it is negatively affecting my credit profile and financial standing. 

Account Information : Name : XXXX XXXX XXXX Email : XXXX Financial Institution : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Complaint Reference : Ongoing reporting issue since XX/XX/year>. 
I kindly request that the CFPB intervene and ensure that XXXX XXXX fulfills their obligation to accurately report my XXXX XXXX account to the credit bureaus. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I checked my credit and based on what I found I have different names and socials and addresses attached to my reports that are not me or belong to me
Product: Debt collection

I have a medical bill from 6 years ago that has now gone to collections and every year they resubmit the debt as new so it continuously shows up on my credit. I have tried to dispute it with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to verify and validate inaccuracy 's on my credit report. I am requesting to have these immediately removed.
Product: Credit reporting or other personal consumer reports

Subjet : Formal Complaint : Fraudulent Hard Inquiry by " XXXX '' on Equifax Credit report. 

I am writing to file a formal complaint regarding a fraudulent hard inquiry listed on my Equifax credit report by " XXXX ''. This inquiry was not initiated or authorized by me, and despite multiple attempts to dispute it, Equifax has failed to rectify the situation appropriately. 

On XXXX separate occasions, I have submitted disputes to Equifax regarding this unauthorized inquiry. However, each time, Equifax has simply reported the inquiry as accurate without providing any documented proof or conducting a thorough investigation. This lack of transparency and accountability is deeply troubling and has left me feeling frustrated and disregarded. 

I am appalled by Equifax 's failure to adhere to their responsibility of ensuring the accuracy of credit reporting information. It is clear that their handling of this matter has been inadequate and negligent, and I feel that my rights as a consumer have been violated as a result. 

I urgently request that this dispute be escalated to the highest level within Equifax to ensure a swift and thorough investigation. I demand that Equifax take immediate action to remove this fraudulent hard inquiry from my credit report. 

I implore the Consumer Financial Protection Bureau to intervene in this matter and hold Equifax accountable for their egregious mishandling of my dispute. I expect nothing less than a prompt and expeditious resolution to this issue. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

DearAVA/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; I hope this message finds you well. I am writing to address a matter of significant concern regarding my accounts with AVAXXXX XXXX XXXX XXXX 

It has come to my attention that my account ending in XXXX has been erroneously marked as late for XXXX and XX/XX/XXXX. I believe this may be due to an issue with receiving statements and accessing my account online, as I have consistently made timely payments based on the statements provided. Additionally, I have observed similar discrepancies with another account opened in XX/XX/XXXX, which was inaccurately reported as late for XXXX and XX/XX/XXXX. 

Given the long-standing positive relationship I have had with AVAXXXX XXXX XXXX XXXX I kindly request the immediate removal of these late payment records from all credit reporting agencies. Furthermore, I seek the removal of any associated late fees and request a review of the billing inaccuracies under the provisions of FCBA 15 USC 1666b, 1681i, and 1692g. 

I trust that this matter can be resolved swiftly to our mutual satisfaction. I appreciate your prompt attention to this issue and look forward to continuing the positive experience I have valued in my dealings with your company. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc ) due to inadequate consumer service and unfair practices, which violates the customer financial protection act ( CFPA ) .Specifically cash App fail 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 route requirements. Under the elect, electronic actions have call significant inconvenience and financial los and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

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 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. 2025-CFPB-0002 ) 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.

These are the accounts that I have marked as inaccurate. 

-XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX  XXXX -BANKRUPTCY DISMMISED XXXX XXXX -BANKRUPTCY DISMMISED XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get my credit score online and no lenders can access my file if I wanted to open a credit card. Equifax is the online credit reporter and I have called over 20 times to get help from them. They never help and they will not take me seriously. My credit score says XXXX  and lenders also can not access this. Equifax is horribly rude and always says the same thing - we will escalate your issue. It's been over a year with at least 20 calls to them for help.
Product: Debt collection

Formal Complaint and Cease and Desist Request Dear CFPB, I am writing to file a formal complaint against XXXX on behalf of XXXX XXXX, regarding an account that was improperly placed in collections and is now threatening liens on my personal property. 

I made multiple attempts to make payments on this account, but I was not informed that it would be sent to collections. The lack of communication and transparency regarding this matter has caused undue stress and financial concern. 

I request that XXXX and XXXX and its agents immediately cease and desist all collection activities related to this account, including any actions that threaten liens on my personal property. I also ask for a full investigation into their handling of my account and the communication failures that led to this situation. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. I tried to request all three of my free reports and 2 of the three requests failed in that online delivery was either unavailable ( XXXX  ) or the webpage that displayed the report failed ( TransUnion ). Once reaching these pages the system recorded that I had been provided the report and that I would have to wait 12 months again. I never received either of these reports due to the website 's technical error through no fault of mine.
Product: Credit card or prepaid card

Good afternoon, My name is XXXX XXXX. I received a letter from Comenity Bank regarding my account closure due to inactivity. I received the letter on XX/XX/, the letter was dated for XX/XX/. I called the company on XX/XX/XXXX to request the account not be closed. I was told that the account was already closed on XX/XX/ and there was nothing that I could do. Once I prompted again, I was told I would have to have my credit pulled again as well as be required to make a purchase on the card for the card to be reactivated. I was told the account was not closed, but it was listed as inactive and there was nothing I could do to reactivate the account outside of another hard credit bureau pull, as well as a purchase on the account. 
I requested to form a complaint, and was told I was unable to do so with the agent on the phone. In addition, I was given a number to corporate which led me to the same office I had previously spoken to. I was told to file a credit bureau dispute, and I must send a written letter, and I would hear back at a later date. 
I feel this is unfair and deceptive. I was not made aware of the account closure or given time to prevent it. It is also unfair that I would be forced to have a hard inquiry on my credit file. I feel that I have been additionally harmed by being forced to make a purchase that I do not want. In addition, this will impact my credit score being that this account has been open for quite a while and will directly impact my length of credit history. 

Thank you for your help and the great work you do for all of the consumers out there! 

XXXX  -Last four of account number - XXXX -Phone number associated with the account - XXXX - Name in account- XXXX XXXX
Product: Checking or savings account

They authorized overdraft fees for posted transactions after my deposit went through to cover everything. There were 4 charges and only refunded one. My deposit was for unemployment insurance. And items posted same time my deposit went through, but their arbitrary charges are still pending!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have identified several items that I believe are inaccurate, and I request that you investigate these items and take appropriate action to correct or remove them. 

Firstly, I have no recollection of authorizing the credit pull by XXXX  and XXXX  on XX/XX/XXXX and XX/XX/XXXX, respectively. Therefore, I demand that these inquiries be removed from my credit report. 

Additionally, several inquiries were made without my authorization, including inquiries made by XXXX, XXXX, XXXX XXXX XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. As these inquiries have reached the statute of limitations, I request that they be removed from my credit report. 

Furthermore, I dispute the accuracy of several accounts on my credit report. Specifically, I request that you verify the payment status, balance, comments, payment history, and account number for the following accounts and either fix or delete them from my report completely : XXXX ( account number : XXXX ), XXXX  ( account numbers : XXXX and XXXX ), and XXXX XXXX ( account number : XXXX ). 

I also dispute the account reported by XXXX XXXX XXXX  XXXX ( account number : XXXX ) as I have no record that this account belongs to me. Therefore, I request that this inaccurate information be removed from my credit report immediately. 

Finally, I request that you investigate and correct the incorrect late payments reported on my XXXX ( account number : XXXX ) and XXXX XXXX ( account number : XXXX ) accounts. These accounts were reported as updated, but the same incorrect information is still being reported. 

Thank you for your attention to this matter. I expect a prompt response regarding the action taken to correct the inaccuracies on my credit report. 

Sincerely, XXXX XXXX