vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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:
" 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 2025-05-15 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
called today about account balance showing on credit report loan number XXXX shows balance of XXXX I asked how much the last payment was received on the account they did not know due to the age of the account I asked for a settlement and was told no due to account in the process of being sold to another company. This has caused me mental strain and stress after my insurance company paid the account in full I requested any statements mailed to me after they received payment from the insurance company and was told they have no record of documents at this time they need more time to located. due to lack of documentation, I am stuck and can't purchase my home

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
They have contacted me outside of business hours including weekends. I would like immediate cease and desist contact from the company of complaint. The company is also using a dialer phone for contact. They are in violation of my FCRA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi Bank decided to close my account on XX/XX/XXXX with over XXXX $ balance, i contacted them and they said the fraud department closed it with no additional information, i used to receive my uber direct deposits only on my account and didnt even use it for more than a week cause i opened it only to receive my payouts from uber They wont tell me where is my money or when im gon na receive it or even file a complaint or talk to a supervisor

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 2025-05-15 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00}

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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Problem 1 - Paypal held {$72.00} stating it was being held nearly a month because I was a new customer when I've been with Paypal nearly a decade. 30 years ago in the XXXX 's when I worked at a big bank there were no holds placed on funds under {$100.00}. Why do companies need under {$100.00} held for three weeks now in the XXXX  's?????? 

Problem 2 - Paypal has absolutely no options on their contact portal for sellers to dispute a hold. When I chose the next best option the transaction was flagged AS IF THE BUYER WAS DISPUTING THE TRANSACTION. HOW CAN A DISPUTE FROM THE SELLER EVER LEGALLY BE FLAGGED AS THE BUYERS DISPUTE???????? 

Because the transaction was now flagged as if the buyer has a dispute, the measly {$72.00} was now on lockdown as is it was the XXXX crown jewels. 

Paypal now will not even process a refund! 

I just want the company to give the {$72.00} back to the buyer so we can process through a different service, but they will not! 

This if theft!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: Absolute Resolutions Corp.
State: FL

Complaint narrative:
to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form 3949A for illegal tax violations upon your company to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I am writing to formally file a complaint against Kia regarding their failure to release a totaled vehicle, which is interfering with the insurance companys ability to pay off the claim.

My vehicle, a Kia XXXX, was declared a total loss by the insurance provider, XXXX, on XX/XX/year>. Since then, Kia has refused or failed to release the vehicle, which is preventing the insurance company from processing and finalizing the payout. This delay has caused me significant financial hardship, as the payoff is necessary to close out my auto loan and begin the process of acquiring a replacement vehicle. After the loss they put the car in repossession status even though they have the vehicle and kept it from XXXX insurance. 

Despite multiple attempts to resolve this issue directly with Kia, including XXXX calls, emails, there has been no clear explanation or resolution. They continue to transfer me, no one knows anything and they refuse to resolve the issue. The accident wasn't even my fault. The insurance company has also confirmed that they are awaiting Kias release of the vehicle in order to complete the settlement. XXXX is requesting the documentation to make the payment and Kia is refusing to send over and handle the issue.

It is unacceptable for Kia to withhold a totaled vehicle, especially when it obstructs a legal and contractual obligation by the insurance company to settle the claim. I am requesting immediate assistance to investigate this matter and compel Kia to release the vehicle without further delay and correct the account and remove it from my credit.

I can provide supporting documentation upon request, including the insurance claim number, correspondence with Kia and the insurer, and the total loss determination 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 2025-05-15 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
Me and my lender has contacted Williams and Fudge company ( collection agency ) on numerous attempts through email and phone calls for a deletion letter for my profile. Myself and Williams and Fudge company agreed to those terms and now they are not doing what was guaranteed on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A previous complaint was file # XXXX ... and was closed because mediation representative XXXX XXXX XXXX XXXX XXXX stated on XX/XX/XXXX that he would comply with my request and a payment would be sent out. My original complaint was I applied for a home modification in XXXX from Wells Fargo Bank they stated was not complete. On XX/XX/XXXX during a review on my a account that an error XXXX have occurred and sent me a check for {$200.00}... then on XX/XX/XXXX an additional {$1000.00} was sent to me claiming the same error had occurred. I requested a copy of the offered payment assistance plan with the errors and accounting terms. Because of these errors the effective terms was not properly calculated causing my trial period monthly obligation payment to be inaccurate causing my home to be foreclosed on.

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 2025-05-15 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: MI

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of 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 2025-05-15 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: AL

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-05-15 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: NC

Complaint narrative:
I filed my complaint XX/XX/year> and today is XX/XX/year>. Its been XXXX  days and counting without a response while they continue to defame my character with derogatory information reporting on my credit file. This credit bureau appears to be in conspiracy to commit fraud because they keep reporting fraudulently created debt for which the creditors failed to show consideration and failed to produce any true copy the lawful contractual agreement bearing my blue wet ink signature which is the only document proving a debt obligation of mine, nor a copy of the back of the contract showing where they forged my signature on the back before taking to the federal reserve for funding. They loaned me nothing of value and never loaned me any of their own money so theres no loss and no debt. The credit bureau is still reporting based on the word of an institution that hasnt provided any valid contractual agreement demonstrating delegation of authority to even report my information rather than the word of a living, breathing sentient Man of XXXX and then violates my lawful Consumer rights enforceable by the Police Identity Theft Report and the Police Home Burglary Report which confirms my personal documents were stolen including license, social security card and taxes. Furthermore every fraudulently created debt account in my name was placed in a publicly filed Billing Error Dispute Resolution for all these reasons and more which that law states Consumer need not pay and the Creditor may not collect and may not escalate the debt collection. Is the Credit Bureau committing mail fraud, wire fraud and conspiracy to commit bank 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
" 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
For a XXXX XXXX credit card XXXX charge-off account for {$14000.00} I have disputed the multiple inaccuracies several times and have never received a response back from either of the credit bureaus. I have requested that the account be deleted based on the inaccuracies of the account. 

The account was disputed in XX/XX/year> and then XX/XX/year>. 

No response from any of XXXX major credit bureaus. I demand that this account be removed.

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 2025-05-15 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: OH

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