vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: SC

Complaint narrative:
Global Lending Services states that I made XXXX auto payments on XX/XX/XXXX. I made XXXX, yet they charged for XXXX in XXXX separate amounts. These payments are always made manually and have not been authorized to be automatic and/or recurring. 

I called the next day when I saw this. I was told that XXXX of the payments would be returned " in XXXX business days. '' The payment wasn't only not stopped or returned but re-debited on XXXX. When I spoke with them today in the escalation department, they stated that they can only return the account after it is recieved and that it will be cleared " after XXXX business days '' on XX/XX/XXXX. When I explained that I did not allow them to do this they state that I had with no other explanation. Myt bank account is now overdrawn, and Global Lending Services is taking funds repeatedly from my account without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
Regarding US breach of personal information Social Security address, Credit card, name and other personal information has been illegally disclosed without my consent or knowledge. I am requesting that the Consumer Financial Protection Bureau thoroughly investigates this data breach and takes appropriate action against the party responsible. Furthermore, I am requesting that all negative remarks be removed permanently from my credit report reflecting all three credit bureau to reflect information resulting from this breach I understand the importance of accurate and secure financial information, and I trust that the Consumer Financial Protection Bureau will take prompt and necessary actions to resolve this issue.

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 2025-03-03 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: MD

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-03-03 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: NY

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally request the immediate and permanent removal of the following accounts from my credit report, as they are adversely affecting my life and financial well-being. 

As per Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts removed from my credit report. these accounts do not comply with the reporting guidelines outlined under the section, and their continued presence is causing significant harm to my financial stability and personal life.

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 2025-03-03 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: AL

Complaint narrative:
I am writing to formally request the immediate and permanent removal of the following accounts from my credit report, as they are adversely affecting my life and financial well-being. 

As per Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts removed from my credit report. these accounts do not comply with the reporting guidelines outlined under the section, and their continued presence is causing significant harm to my financial stability and personal life.

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 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I have credit card accounts with XXXX, CAPITAL ONE, and XXXX. On XX/XX/year> ( I believe ) I went on the CAPITAL ONE app and attempted to transfer my {$1600.00} balance from XXXX to CAPITAL ONE. The app kept giving me error by not submitting my request so I called CAPITAL ONE customer service to ask about it. Their customer service stated that they had no record of my request and assured me that it would go through. They told me to try resubmitting it in the App, so I did and still it wouldnt go through. So at this time I checked with my other creditor, XXXX, and saw they had a balance transfer offer with similar terms so I AGAIN called CAPITAL ONE and reported the issue with their app and to make sure that the transfer did not go through with them. They assured me again and just to be safe I told them that I IMMEDIATELY revoked any and all permission to do a balance transfer with them. I asked them to notate the account. Afterwards I logged onto my XXXX credit card app and did a balance transfer, transferring my balance from XXXX to XXXX. XXXX DAYS AFTER I called capitol one, the balance transfer that I was told would not go through, went through with CAPITOL ONE, for {$1600.00} PLUS a {$64.00} transfer fee. Since then I have spent hours on the phone and they have been rude and have flat out refused to refund the fee, or fix the balance transfer. As of this time XXXX has no record of this {$1600.00} balance that was transferred. It does not reflect on my XXXX account but capitol one assures me that it has already been paid. HOW?!?! I transferred that balance to XXXX in the meantime!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am submitting a complaint against XXXX XXXX XXXX XXXX for illegal debt collection practices and violations of federal law. On or around XX/XX/XXXX, this company reported a medical debt of {$730.00} to credit bureaus without providing me any prior written notice. This action constitutes " debt parking, '' which is prohibited under the Fair Credit Reporting Act ( FCRA ). 

Additionally, they reported medical debt after XX/XX/XXXX, when the CFPB finalized a rule banning the inclusion of medical debt on credit reports. The company failed to provide the required debt collection disclosures mandated by the Fair Debt Collection Practices Act ( FDCPA ). These actions have significantly damaged my credit score and violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: NC

Complaint narrative:
I initially filed dispute [ XX/XX/XXXX ] I asked the company to thoroughly investigate the matter. An eviction was showing up on my rental history and I have not lived at that address ever in life or rented from that company. They FAILED to properly investigate the matter. There is an eviction showing up on my credit report that is NOT mine. I disputed this electronically ( XX/XX/XXXX ), I called and disputed, and Ive even mailed proof of identity AND proof of address ( XX/XX/XXXX ) at the time. I can not live in two places at a time.. I had an eviction on my record since XXXX. In XXXX XXXX those take 7 years to be lifted therefore I wouldnt be able to rent.. I asked them to verify debt. I sent TRANSUNION proof of MY identity and all they all did was reach out to the courthouse to verify an eviction record exists. Of course it exists!!!!! THATS WHY IM REACHING OUT!!!!!! TRANSUNION didnt reach out to the company to verify If theyd ever seen ME in person, what I look like, were the keys retrieved in person, the information used to rent such as name, DOB , SSN, Job info. TRANSUNION is in direct violation of FCRA Section 605B and I see why they are being sued currently for this exact reason. I plan on doing the same If this is not investigated and updated. I filed a repeat dispute [ XX/XX/XXXX ] online. The employee I've worked with is XXXX and he hasn't been ANY help. He has failed to properly investigate. I am a victim of identity theft and it sucks I have to fight with companies like TRANSUNION after sending proof.

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 2025-03-03 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-03 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have several inquiries on my XXXX  credit report that shouldnt be there i am a victim of fraud the creditors are navy federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-03-03 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:
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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$72000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Clayton Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX made a hard inquiry on XX/XX/year> to my credit report and my spouses, XXXX XXXX XXXX This inquiry was made in error and under false pretenses, and have requested numurous times it be removed. 

The reason for my request is that the creditor, XXXX XXXX , falsely advertised a mortgage rate to me that, upon further clarification, turned out to be in error. The misleading advertisement directly led me to inquire about the mortgage, which resulted in the credit check. This constitutes an unfair and deceptive business practice, as I was baited into running my credit based on inaccurate and misleading information. 

As this inquiry was not the result of my genuine interest or intent to proceed with the mortgage application, I requested that it be removed from my credit report. They refused Please investigate this matter and take appropriate action to ensure that it is removed from my credit report and my spouses XXXX XXXX. I would appreciate your confirmation once the inquiry has been removed.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Under 15 U.S.C. 1666a, if a debt is charged off, that means the original creditor has written it off for tax purposes. If they sell it to a third party, you no longer owes it- because you had no contract with the new collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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