vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXXXXXX XXXX XXXX, XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-04-04 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:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXXXXXX XXXX XXXX, XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one froze my account and my funds. After a check from my father was deposited to my account. It was from the insurance company, as I'm on my parents Insurance and the check was taking a while to arrive and i needed a car. So my father wrote me a check for the same amount, and he received the one from the insurance company. I asked capital one who was leading the investigation in their contact information information as well as how long this would take only to be told they don't know. It can take up to more than XXXX business days. 

A month goes by and I have heard nothing. I call almost every day, only to be told the same thing that there's no update.And we're still doing the investigation.They don't know when I will receive my funds. It is now XXXX XXXX, and I receive an email stating that they are closing my account and sending me my money.Back in a check which will take XXXX XXXX business days, and the investigation has been completed. I waited until today, XX/XX/XXXX and called them. Since I have not yet received a check, and it was told that the investigation was never closed and up. My funds were not being sent back to me yet. And now the check from my father who has the same last name as me is being investigated. I already received a final closure of this investigation in an email stating it has been completed. And that's what should be done I am writing a letter of demand to capital one demanding that they close this investigation and return my funds to me immediately as it has now been way over a month and I can not pay any bills, or for the medication for both myself and others in my household that we need, along with you know food to survive and we have an XXXX XXXX XXXX daughter in the household. I'm ruining my near perfect credit. And feel like capital one is doing anything they can to keep my money. Please help If there is anything you can do, let me know my email is you should be able to see it, It is on my log in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: SC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing to express my absolute outrage at the way I have been treated by SouthState Bankboth in the mishandling of my dispute and the completely unprofessional, disrespectful, and discriminatory treatment Ive received at your branch. 

Let me make this very clear : I never authorized the closure of my account. I gave precise instructions to withdraw {$420.00} and leave {$2.00} in the account so it would remain open. Your staff assured me that my account would stay active. Yet, without warning, you closed my account behind my back, which is unacceptable and a direct violation of my instructions. 

To make things worse, on XX/XX/year>, I received a letter stating that I had been refunded {$1000.00} related to a disputed charge of {$2500.00}. That is a lie. I have not received a single cent of that money. 

This transaction is related to a car rental that I fully paid through XXXX, as shown in the official receipts I am attaching. The rental company applied fraudulent and abusive charges to my card after the fact, and that is what I disputed. YouSouthState Bankshould be protecting your clients, not helping predatory companies rob us. 

I was told I would receive documentation to support your decision, but that never happened. I was left in the dark, and no one reached out to verify anything with me. When I went to the branch to ask for answers, I was laughed at, humiliated, and insulted. The branch manager, XXXX, told me I was crazy and treated me with complete disdain and mockery. That is not only unprofessionalits offensive and discriminatory.

Enough is enough. I have been patient. I have provided proof. I have been disrespected, ignored, and defrauded. 

Let me be very clear : The only acceptable solution is that SouthState Bank returns the full amount of {$2500.00} immediately. 
I do not accept, delays, or further excuses. 



Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-04 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: MD

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Complaint Regarding Unjustified Hold on Paycheck Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally lodge a complaint regarding a recent experience with Bank of America that has resulted in significant financial hardships for me. 

On XX/XX/year>, I received my paycheck, which was deposited into my account at Bank of America. To my surprise, I was informed of a 7-daXXXX hold placed on these funds without any prior disclosure. This unexpected situation has severely impacted my ability to meet my financial obligations, including rent, bills, and other essential expenses. 

During my interactions with the bank, I specifically spoke to the following employees regarding this matter : XXXX. Employee XXXX XXXX ( Employee ID : XXXX ) - Despite my inquiries about the reasons for the hold, I did not receive satisfactory explanations or assistance. 

XXXX. Customer Service Representative XXXX ( Employee ID : XXXX ) - Again, my concerns were not adequately addressed, leaving me in a difficult financial position. 

XXXX. XXXX XXXX ( Employee ID : XXXX  ) - I was not informed of any potential holds when making the deposit, which I believe is a lack of proper disclosure on the bank 's part. 

I understand that banks may implement holds on deposits under specific circumstances ; however, it is essential that customers are made aware of such policies and any associated timelines that could affect their access to their own funds. The lack of transparency and communication in this case is unacceptable. 

I am requesting that the Consumer Financial Protection Bureau look into this matter and provide guidance on how consumers can receive better protections against such practices. Additionally, I would appreciate any assistance in communicating with [ Bank Name ] regarding the hardship this hold has caused me. 

Thank you for taking the time to consider my complaint. I am hopeful for a resolution and appreciate your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: KS

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 XXXX of the Fair Credit Reporting Act.

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 2025-04-04 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: MI

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of XXXX XXXX XXXX. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-04 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, demand the deletion and removal of the listed accounts 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 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

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 2025-04-04 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: IA

Complaint narrative:
I filed a dispute on transunion.Transunion XXXX up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Transunion.They alleged the company of accepting unreliable information, XXXX consumer dispute results. This aligns well with my situation! Transunion has not attempted XXXX, nor correct any information. I'm requesting this derogatory remark Bremoved or corrected immediately as it's affecting my chances of getting house. Transunion violates my rights a consumer, as well as federal laws.

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 2025-04-04 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: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Line 5, LLC
State: OR

Complaint narrative:
I Canceled fraudulent car warranty, and they continually are texting me, threatening messages stating that I still owe them money. XXXX is the name of the company lead. I believe Im also a protected class being born in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
The attached documents included with this complaint is as follows : XXXX. CFPB XXXX XXXX XXXX. XXXX matter of : Fay Servicing , LLC XXXX XXXX QWR dated XX/XX/XXXX to Fay Servicing , LLC to provide legal documents XXXX. Fay Servicing , LLC " Notice of Servicing Transfer '' from XXXX XXXX XXXX XXXX effective XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX " Notice of Servicing Transfer '' back to XXXXXXXX XXXX XXXXXXXX XXXX XXXX effective XX/XX/XXXX. Proof of Fraud and Federal Violations XXXX. Fay Servicing , LLC letter dated XXXX providing their creditors address for : XXXX XXXX XXXX XXXX XXXX, not in its individual capacity, but solely as Trustee of XXXX Master Participation Trust. Their address is XXXX XXXX  XXXX XXXX XXXX XXXX DE XXXX. 
XXXX. Fay Servicing , LLC letter dated XX/XX/XXXX to the XXXX of Virginia providing their creditors address for : XXXX XXXX XXXX XXXX XXXX, not in its individual capacity, but solely as Trustee of XXXX Master Participation Trust. Their address is XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. 
XXXX. Return Envelopes from the XXXX informing me that the address for XXXX : " Return to Sender Not Deliverable as Addressed Unable To Forward ''

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

Complaint narrative:
Subject : Urgent Dispute for Late Payment Removal XXXX  XXXX XXXX To Whom It May Concern, I am writing to formally dispute the late payments reported on my credit file for the account listed below. These late payments were inaccurately reported and should be immediately removed under my rights granted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX et seq. ). 

Account in Dispute Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment Reported : XX/XX/XXXX / XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: MD

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 XXXX of the Fair Credit Reporting Act.

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 2025-04-04 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: RI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Contacted Equifax to remove unauthorized inquiries and they noted they can not remove inquiries. Despite telling them about the FCRA they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I was told over the phone by my loan provider AMERICAN CREDIT ACCEPTANCE that months after having my note, that upon the signing my auto loan contract the option of refinancing was not available. But my salesman at XXXX XXXX XXXX did not let me know this.

Company response to consumer: Closed with explanation