vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SIERRA PACIFIC MORTGAGE
State: IL

Complaint narrative:
Complaint : Incorrect Late Payments Reported on Mortgage Account Dear CFPB, I am filing a complaint regarding multiple incorrect late payment marks that have been reported on my mortgage account with XXXX XXXX XXXX 

Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX... ( Loan XXXX XXXXXXXX ) Type : Mortgage / Conventional Real Estate Mortgage Date opened : XX/XX/XXXX Current balance : {$79000.00} ( as of XX/XX/XXXX ) Recent payment amount : {$1000.00} ( as of XX/XX/XXXX ) Status : Open Responsibility : Individual The following late payment marks have been incorrectly reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I firmly assert that I have never been late on my mortgage payments. I have consistently made all payments on time since the inception of this loan. 
These late payment notations are inaccurate, damaging to my credit history, and are likely the result of a technical error or reporting mistake. 
I have already : Contacted XXXX directly ( no resolution ) ; Disputed the inaccuracies with all three major credit bureaus ( XXXX XXXX XXXX ) yet the inaccurate marks remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I was unable to use a gift card, so I tried entering the card information into the website ( prepaidgiftbalance.com ) and it says the information is not valid. I tried calling ( XXXX ) and entered the information on the card and again was told they were not able to access this card.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2025, I attempted to purchase a XXXX XXXX XXXX chair listed for sale on XXXX. I made a shipping offer through XXXX platform, but the seller persuaded me to leave the platform by falsely claiming that XXXX could not ship items over XXXX lbs. 

The seller directed me to send payment via XXXX to the email address XXXX ( XXXX XXXX ). They also sent what appeared to be a legitimate XXXX shipping receipt showing my address, but withheld the tracking number until payment was made. 

I sent {$540.00} via XXXX from my Chase account on XX/XX/2025. The Chase transaction receipt shows the payment was completed and delivered to the recipient. 

After the payment, the seller delayed providing the tracking information and falsely claimed the funds were pending on his " wife 's '' end. No shipment was made, and no tracking number was ever provided. 

I contacted Chase Bank immediately upon realizing I had been defrauded. I requested that Chase assist in recovering the funds. Chases XXXX XXXX informed me that fraudulent inducement was not covered under Regulation E and initially resisted escalating my case until I asked multiple times. 

I informed Chase that I had full documentation, including screenshots of the seller communications, the fraudulent shipping receipt, and my XXXX confirmation. However, Chase did not review or request this evidence before making a decision on the case to in a hurry to end our conversation. 

According to CFPB guidance, Regulation E protections extend to electronic fund transfers made based on fraudulent inducement, as the authorization was obtained through deception and provided no benefit to me. 

I am requesting that Chase re-review this case as an unauthorized electronic fund transfer under Regulation E and CFPB interpretations, and issue a refund of the {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials. 
2. My automatic payment settings were altered without my knowledge.

3. This interference led to the late payments that are now inaccurately reflected on my credit report. FCRA & XXXX Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. 
Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated.

The late payments in question do not meet verification requirements due to the nature of the incident. Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably.

Please confirm resolution of this dispute at your earliest convenience.

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 2025-04-28 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: FL

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS, WHICH IS AFFECTING MY ABILITY TO OBTAIN CREDIT AND VIOLATED THE FAIR CREDIT ACT.I WOULD LIKE THIS TO BE REMOVED SO I CAN OBTAIN CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS, WHICH IS AFFECTING MY ABILITY TO OBTAIN CREDIT AND VIOLATED THE FAIR CREDIT ACT.I WOULD LIKE THIS TO BE REMOVED SO I CAN OBTAIN CREDIT.

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 2025-04-28 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: AZ

Complaint narrative:
I am demanding the removal of this account. The " original creditor '' XXXX does not currently handle this account. They sold the debt to XXXX company and they sold it to another company. The company that handled the account last has removed it from my consumer report and ceased all efforts to collect this alleged debt. Please remove this inaccurate information/account from my report immediately. I have attached the response from each of the companies responsible for reporting this information. XXXX claims responsibility for the account in question.

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 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I paid my car payment by way of electronic check that was successfully paid. I spoke with One Main and they advised me that because I paid with a electronic check my vehicle is still up for repossession until I pay the current payment owed. The payment due now was due on the first, but my vehicle should not still be up for repossession if the other payments were made. I feel like I am being harassed at this point. I need something to be done about this company and the way they treat their customers. They are rude and unprofessional, and yes I was rude and disrespectful back. I realize that I should not have done that, but companies do what they want with no consequences. I wish I never dealt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-29 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Claim : XXXX I am writing to formally express my deep dissatisfaction regarding the handling of a fraud claim I recently submitted concerning my TD Bank debit card. My card was stolen and unauthorized charges were made against my account, resulting in not only the loss of funds but also the incurrence of overdraft fees. 

After reporting the card as stolen, I was informed that the card was closed. However, despite this closure, additional charges were allowed to process, leading to further financial loss. When I followed up regarding the investigation, I was told that the claim was denied on the grounds that the card was not used again after the claim was made. This explanation is both confusing and inadequate, as a closed card should not allow any further transactions at all. 

It appears that the claim was dismissed without a thorough and meaningful investigation. There was no clear explanation regarding how charges continued to process after the card was closed, nor was any substantial evidence provided to support the denial. As a result, I have been left without the funds I need and have incurred fees that are wholly unfair under the circumstances. 

This experience has caused me to question the integrity of my banking relationship with TD Bank. I have already moved a substantial portion of my funds to another financial institution that prioritizes customer security and transparency, and I am currently evaluating the future of my relationship with TD Bank altogether. 

I request that TD Bank immediately revisit this claim with a full and fair investigation. I expect reimbursement for the unauthorized charges, reimbursement of the overdraft fees caused by the fraudulent transactions, and a formal apology for the mishandling of this matter. 

Please provide a detailed explanation of the findings from your renewed investigation within 10 business days of receipt of this letter. If this issue is not appropriately addressed, I will be forced to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt and satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: Radius Global Solutions LLC
State: PA

Complaint narrative:
I, XXXX XXXX declare under penalty of perjury that the following is true and correct to the best of my knowledge : I am a victim of identity theft. As a result, the following information that appears on my credit report does not relate to any transaction I made or authorized : RADIUS GLOBAL SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX I did not open or authorize the opening of the above-referenced account, nor did I incur the associated debt. I am requesting, pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), that this information be permanently blocked 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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
Some Accounts at XXXX XXXX XXXX unaware of any of the debts and did not have the opportunity to dispute any of the accounts. If you believe you sent the proper notification please provide certified mail with receipt displaying my signature. If not please delete these accounts as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
I am writing to dispute fraudulent accounts and information reported in my credit file as a result of identity theft linked to the data breach that occurred at XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I am entitled to dispute inaccurate or incomplete information in my credit report, and I am asserting my rights under this statute. 

Upon reviewing my credit report, I identified several accounts that I did not open and transactions that I did not authorize. These accounts are the result of identity theft, which I believe is directly related to the information compromised in the XXXXXXXX  breach. The account names are as followed : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, Fig Loans, XXXX XXXX XXXX XXXX XXXX Cars XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX, and US Department of Education XXXX 

To rectify this situation, I have taken the following actions : 1. I filed a report with the Federal Trade Commission ( FTC ) at IdentityTheft.gov, and I obtained an identity theft report.

2. I reported the theft to my local police department and have attached a copy of the police report.

3. I have placed a fraud alert on my credit report and notified the other major credit bureaus. 

I respectfully request that XXXX  conduct a thorough investigation into this matter, as mandated by 15 U.S.C. 1681i, and remove the fraudulent accounts from my credit report immediately. I appreciate your prompt attention to this issue and look forward to your timely response. 

Please communicate any updates regarding the progress of your investigation or any actions taken to the address provided above. 

Thank you for your 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 2025-04-28 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: NCB Management Services Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent accounts and information reported in my credit file as a result of identity theft linked to the data breach that occurred at XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I am entitled to dispute inaccurate or incomplete information in my credit report, and I am asserting my rights under this statute.

Upon reviewing my credit report, I identified several accounts that I did not open and transactions that I did not authorize. These accounts are the result of identity theft, which I believe is directly related to the information compromised in the XXXX breach. The account names are as followed : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NCB Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and US Department of Education XXXX 

To rectify this situation, I have taken the following actions : 1. I filed a report with the Federal Trade Commission ( FTC ) at IdentityTheft.gov, and I obtained an identity theft report.

2. I reported the theft to my local police department and have attached a copy of the police report.

3. I have placed a fraud alert on my credit report and notified the other major credit bureaus. 

I respectfully request that XXXX conduct a thorough investigation into this matter, as mandated by 15 U.S.C. 1681i, and remove the fraudulent accounts from my credit report immediately. I appreciate your prompt attention to this issue and look forward to your timely response. 

Please communicate any updates regarding the progress of your investigation or any actions taken to the address provided above. 

Thank you for your assistance.

Company response to consumer: Closed with explanation