vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: MS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-03-31 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 am filing this complaint under FCRA 605B ( 15 USC 1681c-2 ) to request that TransUnion block fraudulent information appearing on my credit report. These accounts resulted from identity theft, the XXXX data breach, and fraud and must be removed within XXXX ( XXXX ) business days of receiving this request. 
The fraudulent accounts and inquiries include : XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Request for Account Blocking and Deletion Due to Data Breach XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer FICO credit report. 
I expect TransUnion to comply with the Fair Credit Reporting Act ( FCRA ) and immediately block these fraudulent items from my 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 non-monetary relief
Consumer complaint received 2025-03-31 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XX/XX/2024 my household income went low : only my XXXX but I got some money and Ally said if I paid a lump sum they would lower payments XXXX then XXXX I asked and that would only reduce it {$50.00} so I had to give it u and salvage my mortgage. No paperwork came explaining the process. Im nonverbal do husband voiced for me on calls. No reply A call came in XXXX XXXX wheres the car Ally says since u live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX but we dont pick up till b u miss XXXX payments ( yet I surrendered in XXXX ) My credit never said repo but score went to XXXX so we hounded to no avail. Sold house to pay off mortgage the car was gone with word from sheriff who towed it then released to leinholder Ally. XXXX XXXX XXXX says the vehicle was sold by Ally. Ally this morning called XXXX said we have no record of it! In about XXXX last year I got an undated letter that Ally auto had a data breach. Paying off the big mortgage didnt even bump my credit score. Im homeless now!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a charge account with Comenity Bank. I opted for paperless in billing. Unfortunately, they have failed to provide a statement of account and this has been the second time they have assessed a late fee on my account. I can not make a payment without a statement. Not only that, they are trying to charge me {$37.00} late fee on a balance of {$32.00}. The payment was due on XX/XX/year> and the statement was generated on XX/XX/year> with an assessed late fee. I disputed it and their responses are not addressing the problem. They go on to explain other terms that have nothing to do with the issue at hand and now they have assessed a XXXX late fee. My account balance is now over {$100.00} on purchase balance of {$32.00}. They are charging over {$60.00} in late fees and have not resolved my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my 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 non-monetary relief
Consumer complaint received 2025-03-31 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I made an initial purchase of XXXX dollars XXXX months ago at Best Buy using citi bank. I made all on time minimum payments to have the balance paid off by the end of the XXXX year promotion. Now that the XXXX years has expired, not only has my balance reset to XXXX negating all of my original payments. They are retroactively charging me XXXX months worth of interest all at once which totals XXXX dollars. Nearly doubling the amount that I owe and then charging me an additional XXXX percent compounding interest every month on top of that. I tried negotiating with the bank to withdraw that lump interest amount and they stated I would have to pay XXXX in full in XXXX month in order to remove the lump interest amount charge. Thats just not possible for me to do unfortunately. Additionally, when I signed up for the card. I had XXXX clue that this is what was going to happen. It was not a clear and coherent term stated in the terms. I was under the assumption that after XXXX years I would have to just pay interest on what balance I had left like a normal credit card. Not this backdated lump sum of interest in addition to XXXX percent interest. Its unfair, its shady and theyre aiming to make XXXX grand off of XXXX dollars.

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 2025-03-31 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discover Bank Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Rebuttal of Dispute Denial for Unauthorized Transaction {$300.00} & {$160.00} I am writing to formally appeal your decision to deny my dispute regarding the {$300.00} & {$160.00} transaction posted to my Cashback Debit account on XX/XX/year> XXXX at XXXX. 

In your denial letter dated XX/XX/year>, you stated that the transaction was completed using the correct PIN and showed no signs of account takeover or prior PIN failures. While those factors may typically indicate a valid transaction, they do not apply in this case. 

As I clearly communicated during the dispute process, my debit card was not in my possession at the time of the transaction. The card had been lost & the PIN was physically written down, allowing whoever found or took the card to use it without needing to guess or change the PIN. The successful use of the PIN in this case does not indicate that the transaction was authorizedit merely shows that the thief had both the card and the PIN. 

This situation falls squarely within the definition of unauthorized use under the Electronic Fund Transfer Act ( EFTA ). I did not provide consent for this transaction, nor did I facilitate it in any way. Your reliance on internal fraud detection logic to dismiss my claim is not sufficient or appropriate in a case involving a stolen physical card and compromised PIN. 

Therefore, I am demanding the reopening of my dispute. 

Please confirm in writing that my dispute is being re-investigated and provide any additional documentation you require from me. I look forward to a prompt and fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: 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. 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. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-03-31 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following parties has violated my consumer protection right! 

Experian XXXX XXXX Equifax Account : XXXX XXXX Account # : XXXX Account : XXXXXXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX XXXX  Account # : XXXX 15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without, my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I've contacted each party and tried to resolve this matter. Your assistant would be greatly appreciated.

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following parties has violated my consumer protection right! 

Experian XXXX XXXX Equifax Account : XXXX XXXX Account # : XXXX Account : XXXXXXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX XXXX  Account # : XXXX 15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without, my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I've contacted each party and tried to resolve this matter. Your assistant would be greatly appreciated.

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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 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 15 U.S.C. 1681n, 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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CMG Financial Services, Inc.
State: MO

Complaint narrative:
I applied for help in XX/XX/XXXX. I wasn't give a reasonable option for assistance until XX/XX/XXXX. XXXX said they charged off my house loan and I have a new servicer as of XX/XX/XXXX but XXXX gave a XXXX month forbearance from XX/XX/XXXX - XX/XX/XXXX. Now the new servicer is sending foreclosure paperwork. XXXX also paid an insurance company for XXXX unneeded house policies in XX/XX/XXXX without my knowledge or consent and advised their mistake with the XXXX house policies was charged off which is has now almost doubled the original payment for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I called SOFI bank to lift the restriction on my account temporarily because I have an emergency. I need to pay my rent and can't wait another month for them to send me a check. The restriction is in place because apparently there was a third party deposit to the account which I was unaware of that it could not be done. If I knew about it, then the deposit would have not taken place. 

I read that the restriction could be temporarily lifted if I had an emergency. The bank did not help me. I also read that if the bank did not help me I could send in a complaint about it. This is an emergency and I could be put out for not paying my rent. I explained all of this to the bank. They refused to let me talk to the department that made the decision about the restriction. This is my XXXX income, I can't wait XXXX  days for them to send me a check.

Company response to consumer: Closed with explanation