vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: MIRACLE FINANCE LTD
State: TX

Complaint narrative:
I entered into a contract with XXXX XXXX XXXX and XXXX XXXX for the purchase and financing of a vehicle on XX/XX/XXXX. Throughout the agreement, automatic payments were withdrawn from my account every other week to remain current on my obligations. 

On XX/XX/XXXX, I notified Miracle Finance via email of my intent to rescind the vehicle contract under the Truth in Lending Act ( 12 CFR 1026.23 ). I clearly communicated that I intended to continue making payments until the rescission was honored and requested confirmation on how to proceed in order to keep my account in good standing. I also informed them that I would be mailing a formal rescission letter on XX/XX/XXXX. 

Despite this, XXXX XXXX ceased accepting my payments and ultimately repossessed the vehicle. At no point was I notified that my account had reached a repossession level. I did not receive any formal notice, warning, or opportunity to address the matter beforehand. This lack of communication, combined with the failure to acknowledge my rescission request, represents a clear violation of my consumer rights. 

I had been in regular communication with the companyconfirming my intentions and asking for guidance on maintaining my accountbut no formal response was provided. The repossession occurred without explanation or an opportunity for resolution. 

By failing to honor my Right of Rescission under 12 CFR 1026.23, and by repossessing the vehicle without notice or communication, XXXX XXXX acted in direct violation of federal law. These actions deprived me of the legal process afforded to consumers and caused undue harm, both financially and personally. 

On XX/XX/XXXX, the vehicle was repossessed without any prior notice from either the dealership or finance company. No explanation was provided regarding the legal basis for this action. 

I respectfully request a full investigation into this matter. I followed the appropriate steps in exercising my Right of Rescission and made every effort to communicate and cooperate throughout the process. The repossession, under these circumstances, was unlawful and unjustified.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-08 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I tried to send {$35.00} via XXXX. The XXXX XXXX  said there was a problem and for me to contact their customer service. I called the number provided on the app and " XXXX '' answered and asked me a few questions. I trusted he was a legitimate XXXX staff member at XXXX and he accessed my bank account ( TD Bank ) and sent XXXX XXXX, a XXXX payment, and a XXXX XXXX payment to an unauthorized person. I ended the call as quickly as possible but he made these transfers too quickly. I immediately called TD and they locked all three of my accounts, and I went to the XXXX XXXX, NJ XXXX and opened up new accounts and closed the old accounts. I went to my local police department the next morning and filed a complaint. They have not done anything with it so far. TD adamantly refuses to replenish the funds and has denied all the investigations. I have XXXX accounts with TD, one CD, and I have funds in TD XXXX. I started with XXXX XXXX  in XXXX, and when XXXX switched to TD in XXXX I remained with them, and I am still a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I called to get a payoff quote on my vehicle loan. A couple days later I was unable to access my account. I could not view or pay on my loan. Fast forward my account is now open stating past due. I was unable to make my XXXX payment because my of this matter. All of this with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I transferred $ XXXX from my Bank of America checking account to my XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX ago but the amount does not show up in my XXXX  XXXX account XXXX I complaint to XXXX  XXXX and they informed me that they have received no such wire transfer. This amount has been deducted from my Bank of America checking account 02 weeks ago. I called Bank of America helpline but it takes too long wait time that it is useless for me. Even there exists no complaint email address where I can send an email to Bank of America. 
My Bank of America International Wire Confirmation number is XXXX and I have also attached its confirmation page as XXXX. 

It is XXXX XXXX Account payment which I transferred from my Bank of America checking account to my XXXX  XXXX XXXX XXXX Account XXXX weeks ago. 

My XXXX XXXX Account No. is : XXXX My Bank of America Remittance ID : 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 monetary relief
Consumer complaint received 2025-05-08 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:
I am filing this complaint because I have discovered multiple unauthorized hard inquiries on my credit report that I did not initiate or consent to. These inquiries were made by various institutions between XX/XX/XXXX and XX/XX/XXXX and were pulled from my credit files with TransUnion, Equifax, and Experian. 

Under the Fair Credit Reporting Act ( FCRA, XXXX USC XXXXb ( c ) ), hard inquiries may only be made with the consumers written permission or in connection with a firm offer of credit that the consumer initiates. I did not apply for credit, authorize any of these companies to access my reports, nor did I have any existing business relationship with them. 

I have disputed these inquiries with all three credit bureaus for over four months, requesting they initiate formal investigations and remove the unauthorized inquiries. To date, I have received no resolution, no investigation results, and the inquiries remain. 

The inquiries I am disputing are as follows : XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian These inquiries were made without my knowledge or authorization and have negatively impacted my credit score. I am requesting that the CFPB : Require the credit bureaus to investigate and remove these unauthorized inquiries. 

Hold the inquiring companies accountable for violating FCRA guidelines, if no permissible purpose can be proven. 

I take the privacy and accuracy of my credit file very seriously and ask for the Bureaus help in enforcing my rights under federal law.

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 2025-05-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because I have discovered multiple unauthorized hard inquiries on my credit report that I did not initiate or consent to. These inquiries were made by various institutions between XX/XX/XXXX and XX/XX/XXXX and were pulled from my credit files with TransUnion, Equifax, and Experian. 

Under the Fair Credit Reporting Act ( FCRA, XXXX USC XXXXb ( c ) ), hard inquiries may only be made with the consumers written permission or in connection with a firm offer of credit that the consumer initiates. I did not apply for credit, authorize any of these companies to access my reports, nor did I have any existing business relationship with them. 

I have disputed these inquiries with all three credit bureaus for over four months, requesting they initiate formal investigations and remove the unauthorized inquiries. To date, I have received no resolution, no investigation results, and the inquiries remain. 

The inquiries I am disputing are as follows : XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian These inquiries were made without my knowledge or authorization and have negatively impacted my credit score. I am requesting that the CFPB : Require the credit bureaus to investigate and remove these unauthorized inquiries. 

Hold the inquiring companies accountable for violating FCRA guidelines, if no permissible purpose can be proven. 

I take the privacy and accuracy of my credit file very seriously and ask for the Bureaus help in enforcing my rights under federal law.

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 2025-05-08 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-05-08 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: SC

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX.I submitted a formal request under FCRA Section 605B to have identity theft-related accounts permanently blocked from my credit report. I provided all required documentation, including a written statement, identity theft affidavit, proof of address, ID, and confirmation that my personal information was exposed in a verified data breach.

Despite receiving my complete 605B submission, the credit bureaus and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, refused to block the accounts. Instead, they stated they would allow the furnisher to investigate, which is a direct violation of the law. Under 605B, they are required to block the fraudulent information within four business days of receiving the proper documentation. 

This failure to comply has caused significant harm to my credit scoredropping it by over XXXX pointsand is now preventing me from securing housing and medical care, including seeing a XXXX XXXX. I am requesting the CFPBs assistance in holding the responsible parties accountable and ensuring the immediate removal of the accounts listed in my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
This company ive never heard of, LVNV is attempting to sue me and garnish my wages for a debt ive never owed to them. they filed it in a county i dont even live in, never had me legally served, just left the paperwork on my porch. theyre scam artists and i want their collection off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section XXXX ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX U.S.C. XXXXn, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-08 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: IN

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-08 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:
The late payment entries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have been reported inaccurately across all three bureaus : TransUnion, XXXX XXXX XXXX. These late payment entries do not reflect my true payment history and are a result of data mismanagement. The incorrect reporting of these payments is a violation of 15 U.S.C. 1666b, which mandates that creditors and reporting agencies provide accurate payment histories. These errors are likely due to a data breach, as there is no substantiated reason for these entries to be reported. Such inaccuracies damage my credit score and jeopardize my ability to secure reasonable credit in the future.

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 2025-05-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Nature of the Error Shellpoint has failed to credit a payment of {$2300.00} that I made to XXXX XXXX, the originating lender, on XX/XX/year> XXXX XXXX XXXX XXXX delivered by XXXX on XX/XX/year> at XXXX AM ). This payment was made in accordance with the first mortgage payment schedule following the loan closing on XX/XX/year>. 
Upon transfer of servicing to Shellpoint, this payment was not acknowledged, applied, or reflected in either the XX/XX/year> or XXXX XXXX monthly mortgage statements. As a result, my account is being incorrectly billed, and Shellpoint is charging interest on a full principal balance as if the first payment was never made. 

Subsequent Harm and Overpayment Due to Shellpoints failure to acknowledge this payment : I was forced to make a duplicate payment of approximately {$1700.00} in XX/XX/year> to prevent wrongful delinquency reporting. 
I am now being overcharged interest on a full principal balance that should have been adjusted. 
The loan is an interest-only product, and the impact of misapplied funds directly affects interest accrual and amortization.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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