vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: VA

Complaint narrative:
Equifax, Experian, and Transunion failed to respond promptly to my previous complaint about removing XXXX XXXX XXXX XXXX ( XXXX ) from my credit reports, even though this account is over seven years old. I have reported this issue multiple times due to the account and dates being changed to remain longer on my credit reports. This is fraud and it is illegal. 

The second issue is that Department of XXXX student loans have also increased on my credit reports as well however I no longer have loans with the Department of XXXX so how is this even possible? 

I have lost major points on my credit reports as a result of these issues.

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 2025-02-11 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: VA

Complaint narrative:
Equifax, Experian, and Transunion failed to respond promptly to my previous complaint about removing XXXX XXXX XXXX XXXX ( XXXX ) from my credit reports, even though this account is over seven years old. I have reported this issue multiple times due to the account and dates being changed to remain longer on my credit reports. This is fraud and it is illegal. 

The second issue is that Department of XXXX student loans have also increased on my credit reports as well however I no longer have loans with the Department of XXXX so how is this even possible? 

I have lost major points on my credit reports as a result of these issues.

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 2025-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
The Finance Manager XXXX wanted my husband XXXX to do work on his home. He did not then the Finance manager ordered a repo of our vehicle. Sold it at auction and stole our belongings inside of the truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

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 2025-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
For many months now, the transfers that I schedule manually or automatically at Capital One ( Spark for business ) have continued to be either canceled or I get an email stating they are having issues. I believe they are purposely doing this to avoid paying interest. I have called multiple times, and they continue to tell me they are working on it. In the meantime, I can not make interest from the money and must keep it in the checking account. This has happened since the lawsuit against them took place. Before, this was never an issue since the interest rate they provided was so lousy. Now that they have been sued, they are internally doing anything within their power to avoid the money being transferred to their accounts. I just called yesterday from a call I had done in XXXX, and they keep telling me they are working on it. 

I was already a victim of forcing me to change my savings account. This company is certainly corrupted. I am going to close all my accounts with them for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

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 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account was opened by someone other than myself. It was also connected to a bank account that was opened in my name. The bank account was closed after I was notified of its existence. It has since been assigned to LVNV Funding from XXXX XXXX XXXX ( XXXX ). Neither have provided any proof that I am connected to this account nor have they provided any info that can help with finding the person responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My information was involved in a data breach where all my information was leaked

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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
I spoke to a representative at National Recovery Agency because I seen this debt on my credit report. The rep asked me to confirm my last XXXX in social, and she proceeded to tell me the social security number is XXXX, and those are not my last digits and ask for it to be deleted 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 explanation
Consumer complaint received 2025-02-11 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: IN

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> i got couple of email from capital One since iam long time capital one debit user. I didnt had any credit card with them. I got this email saying Your loyalty hasnt gone unnoticed, XXXX. 

XXXX added {$100.00} to your bonus offer. You can earn a one-time {$300.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. Continue with the offer. Which i did and used there XXXX $ on the cards. Yet when it was there end to send me the XXXX $ they didnt. And when I pressed them about it they give me the run around like oh your credit score is good not excellent. Yet when I continue with the offer i got approved and no where it said no your credit is good not excellent and this offer isnt for you. I feel like they falsely advertised to me for a credit card I didnt wanted and approved me for it yet didnt honor there end of giving me the XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-11 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: MA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX ACCOUNT XXXX, has violated my rights. 

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.

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 2025-02-11 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: MI

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. 
appropriate notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: KS

Complaint narrative:
Experian, I have had debt that has been well over 7 years old remain on my account, but the agencies keep renewing the contract without my knowledge nor was I ever notified when these companies ( 3rd party ) consumed my debt from the originating company. 

Transunion, makes it impossible to accsss the information to even file a dispute.

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 2025-02-11 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: MA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT COLLECTION XXXX XXXX XXXX XXXX, VA XXXX ACCOUNT XXXX, has violated my rights. 

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.

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 2025-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My car was repossessed and sold a while ago they keep writing me for more money this is not right they sold the car and asking for the another was owed on the balance of the loan XXXX but they sold the car and then saying give them XXXX to settle it there is nothing settle they sold the car this is fraudulent I know my credit will be not good due to this repossession but they sold the car please get them to stop harassing me about more money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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 am writing to formally dispute the completeness, maximum possible accuracy, and integrity ( CMI ) of the information contained in my consumer report that your agency has furnished. In the credit world, CMI refers to the standard that consumer reporting agencies must upholdensuring that all data reported is Complete, Meets the highest level of possible Accuracy, and maintains its Integrity as required by federal law. Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), inaccurate, unverifiable, or incomplete information must be deleted immediately. TransUnion, as a consumer reporting agency ( CRA ), is strictly liable for ensuring compliance with the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX  / XXXX Upon reviewing my consumer file, I have identified inaccuracies and inconsistencies that fail to meet the legal standards of completeness and accuracy under 15 U.S.C. 1681e ( b ). The law mandates that all information contained within a consumer report must be reported with the " maximum possible accuracy, '' and any deviation from this requirement is a clear violation. Furthermore, under 15 U.S.C. 1681c ( a ), obsolete information or data that does not comply with statutory limitations can not be legally reported.

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 2025-02-11 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: VA

Complaint narrative:
Equifax, Experian, and Transunion failed to respond promptly to my previous complaint about removing XXXX XXXX XXXX XXXX ( XXXX ) from my credit reports, even though this account is over seven years old. I have reported this issue multiple times due to the account and dates being changed to remain longer on my credit reports. This is fraud and it is illegal. 

The second issue is that Department of XXXX student loans have also increased on my credit reports as well however I no longer have loans with the Department of XXXX so how is this even possible? 

I have lost major points on my credit reports as a result of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I submitted a complaint for over 2 years and because CFBP interviene I got a letter that is not sitting the real issue. I was sold an item as new but was in not working condition. You all have requested pictures, letters, etc I have provided. I had communication with the furniture store that they refuse to do anything. I am asking my money back the item to be picked up as does not work and it was sold as new. I have send proof that item was sold to me and any other proof requested. You have enough evidence to determined I was lured and lied by the furniture store in regards of the item, it is my right that if bought by credit card that this item is disputed with a resolution. Your statement provided is not valid as this is not a warranty issue, I was sold as part of the sale a warranty that the furniture store has violated as well. Please be specific and also understand to dissect the information provided and put your customer best interest.

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 2025-02-11 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: TN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation