vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I was given a guaranteed XXXX loan in XXXX of XXXX. Over the years it was serviced by I dont know how many servicers well in XXXX. I went back to college and that amount along with the new amount that I borrowed from XXXX XXXX serviced by XXXX XXXX Starting XXXX I became 100 % service connected disabled veteran in XXXX and XX/XX/XXXX of XXXX. All my loans were discharged paid fulfilled.. as of today on all three credit bureaus. It states that the loans were transferred and closed and it also states that the first loan was in nine of XXXX, so I lose all that credit history.. I have disputed it multiple times all three credit bureaus and nothing happens. I talked to XXXX and write on the document that XXXX sent them and the one they sent me states that the first disbursement was given XXXX XXXX all of these credit bureaus app tells you to call them and when you call them, they tell you go to the app well, this is severely affecting my ability to obtain credit with no relief in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I was given a guaranteed XXXX loan in XXXX of XXXX. Over the years it was serviced by I dont know how many servicers well in XXXX. I went back to college and that amount along with the new amount that I borrowed from XXXX XXXX serviced by XXXX XXXX Starting XXXX I became 100 % service connected disabled veteran in XXXX and XX/XX/XXXX of XXXX. All my loans were discharged paid fulfilled.. as of today on all three credit bureaus. It states that the loans were transferred and closed and it also states that the first loan was in nine of XXXX, so I lose all that credit history.. I have disputed it multiple times all three credit bureaus and nothing happens. I talked to XXXX and write on the document that XXXX sent them and the one they sent me states that the first disbursement was given XXXX XXXX all of these credit bureaus app tells you to call them and when you call them, they tell you go to the app well, this is severely affecting my ability to obtain credit with no relief in sight.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This is getting ridiculous! Now this debt collector has the original amount owed still XXXX but updated the amount I owe to XXXX. This needs to be fixed! I never owed XXXX. Also, I asked for a debt validation and never received paperwork showing that I owe XXXX in monthly electricity. I am filing a complaint with the FTC if this is not fixed! Do your job and update my credit report correctly or delete this off my credit. If you can not show that I owe the amount you are claiming then I have rights under the FCRA and my rights are being violated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EA Holdings Corp.
State: WI

Complaint narrative:
If I am one day late with my payment, they restrict my ability to pay online and begin assessing fees. Their online system also only allows the amount of the current payment be paid which never allows me to pay on my principal balance. I cant just throw {$100.00} towards my principal if I wanted to. And then when you call the phone line to make a payment, it hangs up on you repeatedly. Theyre making it impossible for me to stay current on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased an airline ticket back on XX/XX/XXXX, and paid with my Chase Sapphire card. I cancelled the ticket on XX/XX/XXXX and asked for a refund from XXXX. They told me it would take about XXXX  days to effectuate the refund. 
A month later, I created a case with XXXX STILL NO HELP. On XX/XX/XXXX, I got an acknowledgement from XXXX of an issue with their procedures that prevented them from effectuating the refund. Then on XX/XX/XXXX I created a new case request with XXXX. STILL NO HELP. I have created a second case in XXXX - STILL NO HELP. 

I waited for XXXX to rectify the issue. XXXX months passed. I went to chase sapphire and wanted to open a dispute. Their site does not allow opening a dispute with a charge that is over XXXX  days old!!! 
So now it's been over XXXX MONTHS, THEY OWE ME OVER $ XXXX and I have no update or end in sight from XXXX, and ALSO NO RECOURSE FROM CHASE. 
This is simply corporate THEFT. PLEASE HELP! 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of XXXX XXXX - XXXX - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to meto report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 



According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 



Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



I have identified that the statements for myXXXX XXXXXXXX not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 



Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : date of reported late payment : XX/XX/year> 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: AK

Complaint narrative:
I have been trying to pay off my vehicle in full for over a month now with Chrysler Capital. 

On XX/XX/year> I attempted to make the payment in full for XXXX. The payment was denied because there was a payment amount limit for debit cards. I believe the payment limit on a debit car is {$3000.00}. I then attempted to make a payment of {$19000.00} through my bank account. The payment was denied again, saying that the payment limit for bank accounts is {$12000.00}. I then successfully made a payment of {$12000.00}. I then tried to pay the remaining {$6100.00} in another transaction with my bank account but was told I exceeded the payment amount I can make in a day and to try again later. I tried again on that day and was told the same thing. I then attempted to make the payment of {$6100.00} on XX/XX/year> but was told again I had exceeded my payment amount. I then attempted to make a payment of {$3100.00} on XX/XX/year> but was told the same thing, I had exceeded the amount. I then attempted to make a payment on XX/XX/year> of {$6000.00} but was told I had exceeded the amount I could pay. I decided I would wait until XX/XX/year> to make the payment. It would be over a month since my last payment, and my payments are due on the XXXX of each month. I logged onto my Chrysler Capital account to see that I was {$490.00} past due. The day before when I logged on to see if my bill was ready all it said was " Current '' and there was a " -- - '' where the payment due is normally at. I attempted to make a payment of {$6100.00} ( my payoff amount has gone up since I originally tried to make the payment but was denied due to interest ) and was denied making a payment that big yet again. I then called customer service to ask why I couldn't make the payment and to see if they could make the payment on their end and they said they were unable to make the payment because I exceeded the amount limit on payments, but now I am also a day late on my payments. Customer service then advised me to go to a XXXX and XXXX them the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.

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 2025-03-28 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: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to properly address consumer disputes. 
Re-inserting previously disputed and inaccurate information without explanation. 
Failing to effectively notify consumers about investigation results. 


Please review the inaccurate information being reported : Unauthorized hard inquiries : XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I have called XXXX XXXX numerous times to resolve the issue, but unfortunately, they have not addressed the problem. As a result, I contacted Capital One to dispute the charge on my credit card. 

However, Capital One informed me that they can not take action without a cancellation letter from XXXX XXXX. The issue is that the company is not communicating with me at all. I asked Capital One how I am supposed to obtain a cancellation letter if I can not get in touch with the company. XXXX XXXX has essentially ghosted me. 

I informed Capital One that I will be filing a claim through the Consumer Financial Protection Bureau. I have also provided all necessary documents to Capital One for the dispute process. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my newly-opened personal checking account for no reason and is withholding more than {$5000.00} of my money that I had put in the account. I am in severe financial hardship because of this. I am unable to pay my rent because my money is locked up in this account, and they will not release my money. I visited XXXX branches and called numerous numbers- to no avail. I just need the ability to withdraw my funds from my now-closed checking account.

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 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery collections is attempting to collect on a debt they purchased from another leader that has already written the debt off. I requested a debt validation in accordance to 15 USC 1692G with detailed list of history of my payments, my signature on contract with collection company guaranteeing payment, insurance claims filed on the debt, and proof of chain of ownership of the debt. I was sent an email about how the collections agency purchased the debt illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Over the last 6 years someone used my credit to open multiple credit accounts. My full legal name was not used and the addresses were not my physical address. This has created a Financial hardship on my family.

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