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: EQUIFAX, INC.
State: TN

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX 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. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reports it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information has be modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
One main financial mailed me a letter promising me 6 % interest on XXXX XXXX. With interest XXXX I found out recently my interest was high. N I owe XXXX total by XXXX Doubled the amount. As far as I know financial wise. I've paid them way over XXXX. Before I took out my loan with them I explained to them that I would only be interested in paying back what I owed XXXX nothing more. 

My car was paid for. My previous lien holder was XXXX XXXX. I paid them off. And then 8 month later I received a letter for one main financial to take out a loan with them. They didn't mentioned title loan I don't remember. But it was a loan for XXXX to XXXX. They promised me insurance and coverage incase something happens to me. XXXX and Employment. There sales rep XXXX kept calling my job. Talking to all of my coworkers. Asking them questions. I had to tell him to stop talking to them. Why are you calling my job call my phone. 

There XXXX messed up my workers compensation.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone has stolen my identity. They have tried to open credit cards on two occasions and once also by phone. They have affected my credit, and even though I froze it, I continue to receive calls from some banks. I tried to report this to the police and also to the credit bureaus, but I havent received any response. I am afraid that they might do something worse with my identity. One of those cards is from XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX. I tried to cancel them all by calling each bank.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft exposed in the XXXX Databreach I have fraudulent information listed on my credit report names, addresses, accounts and more. In reference to U.S Codes 1681c-2 information need to be blocked due to identity theft, 1681s-2 responsibilities of furnishers information, and 1681b permissible purposes of consumer 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 2025-04-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
XXXX XXXX National Credit Systems Re : Dispute of Alleged Debt National Credit Systems I am writing to dispute the alleged debt of {$3200.00} for rent not paid, as stated in your recent communication. I strongly deny owing this amount. 

To my knowledge, I was never evicted or taken to court regarding this matter. Therefore, I request : 1. Immediate correction of your records to reflect the accurate status of my account. 
2. A detailed breakdown of the alleged debt, including dates and amounts.

3. Evidence of any court proceedings or eviction notices.

If this information is inaccurate, please provide documentation supporting your claim. 

Sincerely, 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A wire was sent for {$39000.00} from XXXX XXXX Bank to Chase for the sale of a car I owner. The sale was done via XXXX. 
The wire sent had 2 digits for the account number transposed and allocated to the wrong account at Chase. It took 30 days to get my money after being given incorrect information from Chase repeatedly.

I was without funds for 30 days. Chase has offered no remediation for the 8-10 hours of my time spent to resolve the issue, the embarrassment for the incorrect information they gave me, the stress and anxiety endured or ever the loss of interest during that time.

I still don't understand how Chase can accept a wire to the an account where the account number and name do not match. I need regulators to review how Chase does business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had received a payment for {$100.00} which XXXX had put " on hold '' for 21 days ; after 19 days of waiting I contacted XXXX support to ask if they would please release the funds to me, and I offered to show proof of delivery of the item which I had sold, which they were holding the funds for. The XXXX support sent me a link to upload the proof of delivery, which I did. Then about an hour or two later I receive notice from XXXX that my account is suspended and I need to verify my identity by uploading ID documents, even though my account had already been fully verified. So I did that and uploaded pictures of my ID. Then I receive another notice from XXXX that my account has been permanently suspended and I am no longer allowed to use their services, and that any money in my XXXX account will be released to me in 180 days. They give no reason why, and refuse to give reason why. The {$100.00} which was scheduled to be released to me on XX/XX/year> is now going to be held for an additional 180 days ; which is absurd and unacceptable. I would very much appreciate that my money please be released to me, and as for my account being suspended, that is of no importance to me as I will no longer be using their service due to their inherent lack of customer service and their absurd and unacceptable business practices. They have no right to hold money which legitimately belongs to me, for any length of time, and especially not for 180 days. That is unfair and extremely unjust business practice on the part of 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Dear CFPB, I am submitting a formal complaint regarding the late fees being charged to my auto loan account by Ally Financial. Despite multiple attempts to resolve this issue directly with Ally Financial, I have been unable to do so due to conflicting information and lack of follow-through on their part. 

Last summer-XXXX, I contacted Ally Financial numerous times to request a due date change to better align with my pay schedule. I was repeatedly told that I needed to sign a document that would be uploaded electronically ; however, the document was never made available. Despite my repeated calls for assistance, I was later informed that my request had expired and that the necessary documents would be mailed instead. Unfortunately, I never received them. 

After multiple unsuccessful attempts to resolve this issue, I eventually stopped pursuing it because I kept receiving conflicting information. Since then, I have struggled to make my payment on the XXXX of each month due to my pay scheduleexactly the issue I was trying to prevent in the first place. 

Given that I made every effort to correct this situation but was unable to do so due to no fault of my own, I am formally requesting that the accumulated late fees be removed. I am now nearing the completion of my loan and would greatly appreciate your assistance in ensuring this matter is resolved fairly. 

Thank you for your time and attention. Please let me know if any further information is needed.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and notice of negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o.

Upon reviewing my credit report, I noticed inaccurate and outdated information that has not been corrected or investigated despite previous requests. Your failure to ensure maximum possible accuracy and to reinvestigate my previous dispute constitutes negligent noncompliance under the FCRA.

The following account ( s ) are being disputed : Creditor Name : [ Insert name ] Account Number : [ Insert account number ] Reason for Dispute : This account does not belong to me According to 15 U.S. Code 1681o, if a consumer reporting agency or furnisher of information is found to be negligent in complying with the FCRA, it is liable for actual damages sustained by the consumer, along with attorneys fees and costs. 

I am demanding an immediate investigation and deletion or correction of the inaccurate information. If this matter is not resolved within 30 days as required by law, I will pursue all available remedies including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and pursuing legal action. 

Please send written confirmation once the investigation has been completed and the necessary corrections have been made. 

Sincerely, XXXX XXXX SSN ( last 4 digits ) : XXXXXXXX Date of Birth : XX/XX/year>

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've disputed XXXX XXXX account for years, Experian Transunion Equifax just say its verified without showing me proof. They even sent a bunch of documents the last time I asked CFPB to hold them accountable and none has a signature. No one has a wet signature or signature of any kind on any of the documents. This has been ruining my credit for years. Under 15 U.S.C. 1681e ( b ), they should be assuring correct information. This is a clear violation. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o consumers can seek damages for these actions. I would like to pursue those actions as well since this a never-ending dispute. Also, every time I dispute an account and when they claim account is verified, they drop my FICO score. If I pay off a credit card my FICO goes up a few points but when they re report it as verified it goes down at least XXXX points. They have allowed the collection Agency to update a dollar to the balance, which caused another XXXX points. There is clear XXXX-point differences at times between bureau scores. As of now the following have been violated, Legal Reference : 15 U.S.C. 1681i ( a ) ( Duties of a consumer reporting agency when investigating a dispute ).

Legal Reference : 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( Civil liability for negligent noncompliance ).

Legal Reference : 15 U.S.C. 1681s-2 ( b ) ( Duty of furnishers to investigate and correct disputed information ).

Legal Reference : 15 U.S.C. 1681b ( Permissible purposes of consumer reports ).

Legal Reference : 15 U.S.C. 1681e ( b ) ( Duty of accuracy ).

Legal Reference : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( A notice of negative information ).

Legal Reference : 15 U.S.C. 1681i ( a ) ( 6 ) ( Duty of the agency to correct or delete inaccurate information ).

Company response to consumer: Closed with explanation