vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
I noticed that there were XXXX payments reported late to the credit bureaus in XXXX after enrolling in an offered XXXX Relief program. I contacted XXXX XXXX about the erroneous information. XXXX XXXX provided a letter stating that the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year> were reported erroneously to the credit bureaus and corrections have been submitted. The late payments have reappeared on my credit report. In investigating with TransUnion and XXXX, the bureaus are stating XXXX XXXX is reporting the erroneous information as correct.

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 2025-04-29 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: SC

Complaint narrative:
I noticed that there were XXXX payments reported late to the credit bureaus in XXXX after enrolling in an offered COVID-19 Relief program. I contacted XXXX XXXX about the erroneous information. XXXX XXXX provided a letter stating that the reported late payments for XX/XX/2021, XX/XX/2021, and XX/XX/2021 were reported erroneously to the credit bureaus and corrections have been submitted. The late payments have reappeared on my credit report. In investigating with XXXX and Equifax, the bureaus are stating XXXX XXXX is reporting the erroneous information as correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
I noticed that there were XXXX payments reported late to the credit bureaus in XXXX after enrolling in an offered XXXX Relief program. I contacted XXXX XXXX about the erroneous information. XXXX XXXX provided a letter stating that the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year> were reported erroneously to the credit bureaus and corrections have been submitted. The late payments have reappeared on my credit report. In investigating with XXXX and XXXX, the bureaus are stating XXXX XXXX is reporting the erroneous information as correct.

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 2025-04-28 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:
In XX/XX/year>, I discovered a fraudulent personal loan account on my credit report that I did not authorize. This account was not opened by me and appears to be the result of identity theft or unauthorized use of my personal information. 

The fraudulent account includes : XXXX XXXX XXXX XXXX  Loan Opened in 2025 This account was created without my consent, and I had no involvement in authorizing or initiating it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREENSKY OPERATIONS, LLC
State: GA

Complaint narrative:
I had an agent from XXXX XXXX and XXXX come to my house. I had downloaded a photo of the room that I wanted. The agent looked at the picture and drew up a contract, The next day a person from the company came out and I showed him a copy of the room. He said that the contract WAS NOT the room in the picture and to contact the company, which I did. I was told that I had to contact the agent. I had XXXX days to contact this agent calling him repeatedly. XXXX days later he called back and said that it was too late to cancel because my XXXX days had ended. My name was given to Greensky for collection of a deal that never went through. Not XXXX nail or XXXX piece of glue was done at my house but I am still being harassed by Greensky for almost {$20000.00}. It was a SCAM from beginning to end. I reported this to the XXXX XXXX XXXX  and XXXX informed them that they NEVER intended to build at my house. I disputed it with XXXX and it was investigated by someone from GREENSKY. How can they police themselves??? I am a victim here and I am tired of the harassment!! I have also reported them to the XXXX for XXXX, but still nothing happens!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Student loan — Federal student loan servicing
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: Maximus Federal Services, Inc.
State: NM

Complaint narrative:
My XXXX student loan debt was canceled due to the XXXX lawsuit a few years ago. Aid advantage is now claiming that I owe the total debt. I submitted information from two different sources showing my balance with XXXX. When I contact aidadvantage they claimed they have been mailing me statements every month for years, but I have never received anything from them and my address has not changed for the last XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am submitting this complaint because Ally Financial wrongfully repossessed my XXXX XXXX XXXX ( XXXX : [ Insert your VIN # ] ) despite my account not being in default. 

According to my finance agreement with Ally Financial, repossession is permitted only after a delinquency of more than 90 days. Prior to the repossession, I made a payment on XX/XX/XXXX, which brought my account current to approximately 58 days past due not 90 days. 

Despite this payment, Ally Financial repossessed my vehicle without providing any notice of default, right to cure, or notice of repossession as required by Florida law and the XXXX XXXX XXXX. I received no phone call, no email, and no certified letter warning me of repossession. 

When I attempted to call Ally Financial to discuss the situation, their representatives hung up on me and refused to assist, demonstrating bad faith and unfair practices. 

The vehicle is titled under XXXX XXXX XXXX XXXX, an irrevocable trust, and XXXX actions constitute wrongful repossession, breach of contract, conversion of trust property, and violation of multiple laws. 

Specifically, Ally Financial violated : Florida Statute XXXX ( repossession only after valid default ) Florida Statute XXXX ( failure to send required notices ) Florida Deceptive and Unfair Trade Practices Act ( XXXX ), XXXX Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( if reported as repossession inaccurately ) I am requesting that Ally Financial : Immediately review and correct my account. 

Immediately return my XXXX XXXX XXXX without any fees or penalties. 

Correct any inaccurate credit reporting related to this wrongful repossession. 

Reimburse me for any damages and costs incurred. 

I respectfully request the CFPB to investigate this matter and take any appropriate action to hold Ally Financial accountable for its violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I paid for a trip using my Chase Sapphire, credit card. This credit card has XXXX insurance on it. My trip was canceled by the company. I opened a claim and have given all documents to Chase Sapphire, credit card and they still have refused to pay me. This has been going on since XXXX. XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
It has come XXXX  my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I notice some accounts I am not familiar with. I have ask the CRA 's for validation of debt, however the information has not been provided. 
Due XXXX my information being exposed, I have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national XXXX XXXX a Validation of debt

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 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX, I attempted to purchase a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX in XXXX XXXX, Illinois, with financing through American Credit Acceptance. I provided an {$18000.00} down payment. 

During my initial welcome call with American Credit Acceptance, I informed the finance company that I did not agree with the loan terms due to undisclosed fees, altered pricing, and discrepancies in the documents. I was told that the financing documents were not properly signed and that funding would not occur without my explicit approval. 

Despite this, American Credit Acceptance later funded the loan after allegedly receiving a verbal confirmation. I never gave such verbal confirmation. Upon internal review, American Credit Acceptance confirmed to me that the voice authorizing the loan did not match my voice. Additionally, the dealership submitted a false email address in my name. 

I have obtained a copy of the loan agreement, which shows inflated fees, unauthorized charges bundled into the amount financed, missing itemization disclosures, and a highly inflated final price inconsistent with the original agreement. These documents confirm the financing was unauthorized and fraudulent. 

A police report has been filed, and a formal consumer fraud complaint has been submitted to the XXXX Attorney General. I am requesting immediate rescission and cancellation of this fraudulent loan, removal of any associated reporting, and full investigation into the misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
continued violations of the FairCredit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ). Despite previous disputes submitted concerning inaccurate and unverifiable information on my credit report, Transunion has failed to conduct a reasonable reinvestigation and continues to report erroneous data, causing significant harm to my financial and personal well-being. willful noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically in violation of 1681e ( b ) ( failure to maintain maximum possible accuracy ) and 1681i ( a ) ( failure to reasonably investigate disputes ). also Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information ( 607 ( b ) ). Since the Bankruptcy Court has confirmed that it does not provide or verify bankruptcy data for consumer reporting, your reporting of this bankruptcy is unverified, inaccurate, and must be immediately deleted. following inaccuracy of accounts 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 non-monetary relief
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
continued violations of the FairCredit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ). Despite previous disputes submitted concerning inaccurate and unverifiable information on my credit report, Transunion has failed to conduct a reasonable reinvestigation and continues to report erroneous data, causing significant harm to my financial and personal well-being. willful noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically in violation of 1681e ( b ) ( failure to maintain maximum possible accuracy ) and 1681i ( a ) ( failure to reasonably investigate disputes ). also Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information ( 607 ( b ) ). Since the Bankruptcy Court has confirmed that it does not provide or verify bankruptcy data for consumer reporting, your reporting of this bankruptcy is unverified, inaccurate, and must be immediately deleted. following inaccuracy of accounts 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 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 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
XX/XX/year> XXXXXXXX XXXX  Dear Sirs or Madams, I am formally requesting debt validation pursuant to my rights under 15 USC XXXXG. Please provide the following documentation within the XXXXday timeframe allotted by law to ensure this debt is valid and that you have the right to collect it : A full and detailed history of all payments made to this account. 

A copy of the original agreement bearing my signature, indicating my consent to this contract with the creditor. 

Documentation of any insurance claims that have been filed or paid against this debt. 

A complete chain of title demonstrating your legal right to collect this debt. 

Please send all requested information to the address listed below. If you fail to provide proper validation, I will consider this debt unverified and request that it be removed from any credit reporting agencies. 

Sincerely, XXXX XXXX XX/XX/XXXX, XXXX Received a response with just copies of statements. Not as requested.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( 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 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Used vehicle was purchased from XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. Upon signing the loan agreement with Cresit Acceptance, I purchased the warranty that that was offered to me by the finance company. Warranty company XXXX XXXX XXXX approved the coverage for my vehicle that had oversized tires which was checked off on the application. When my vehicle broke down I had I towed to XXXX XXXX in XXXX XXXXXXXX XXXX The mechanic broke down the engine to determine the main cause of the problem. XXXX XXXX sent an adjuster to view my claim and without even looking at the initial problem with the enginen the adjuster automatically denied my claim stating that because my truck had oversized tires they were not going to cover the repair of my vehicle. I purchased the warranty as coverage just in case anything happened after the purchase because it was a used vehicle. I do not have the money to pay XXXX XXXX for the work they did. I thought the warranty was going to cover any and all expenses. I am now without a vehicle at this time. Also, I never received a copy of the warranty information as listed on the credit contract.

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 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and I been with Santander since 2018 I recently got my vehicle repossessed. Months later they repossessed the vehicle then I received a letter stating a deficient balance. Santander USA was involved in a Class action settlement and Also Santander USA Has been in Violation of the XXXX CXXXXe and because of this matter Santander needs to remove Repossession from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On ( XX/XX/year> ) I went to deposit money at TD Bank ATM machine at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX money was transferred from my savings to checking in the amount of {$7600.00} Without my knowledge, then {$2300.00} in cash was then taken out of my checking account at a ATM machine and also a purchase was made at a jewelry store in XXXX in the amount of {$1900.00}. I went to the branch filed a fraud claim, several days later the claim was denied for the {$1900.00}. they said since the purchase was made in XXXX that i was responsible for that purchase, I filed a appeal and waiting, since then i filed a police report, as far as the ATM withdrawal they are still investigating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I send a check from my Bank of America checking account # XXXX amount {$55000.00} to US Treasury on XXXX 2025 and mailed it on XX/XX/XXXX from artesia post office counter. Tuesday XX/XX/XXXX, i received BofA security alert if i authorize this check yes ir no, to answer in XXXX hours. Same day, I called BofA asking who is trying to cash it, they sid someone name XXXX XXXX XXXX. I spoke to agent XXXX and said not no release the money as it is fraud. He told me I should get the money back next day. XX/XX/XXXX i called again and spoke to agent XXXX she told me that XXXX XXXX did not file any claim about it and the money was released. She filed a claim # XXXX XXXX. XX/XX/XXXX i filed mail theft with XXXX  # XXXX and cerritos police station # XXXX. Then i did not hear back. On XX/XX/XXXX i went to BofA XXXX branch and they said fraud department would need more information notarized form. Faxed everything on XXXX. I need the fund back. I could not pay IRS my tax as the fund is stolen by check fraud. I am very disappointed with BofA as without my authorization they released such an unusually big amount of money from my personal checking account and I could not pay my taxes. It happened 2 weeks and every time i spoke to them they said i will hear back in 24 to 48 hours.

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 monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
The balance was paid on XX/XX/XXXX, but CBNA Citibank is still reporting an open balance on my report. I disputed the balance, but the status didn't change. I also provided documentation of the balance being paid.

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 2025-04-28 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: IL

Complaint narrative:
I am filing a complaint regarding an incorrect late payment reported by XXXX  XXXX XXXX on my credit report. The reported late payment for XX/XX/XXXX was inaccurate. After disputing this with XXXX  XXXX XXXX, they acknowledged the error and, in a letter dated XX/XX/XXXX, confirmed that they have submitted a request to the credit bureaus to remove the late payment history. Despite this confirmation, the inaccurate information remains on my credit report. XXXX  XXXX XXXX stated that it may take up to 60 days for the credit bureaus to update the report, but I am concerned about the continued negative impact on my credit score. I am requesting confirmation that the correction has been made and for the credit bureaus to update my records immediately to reflect the accurate payment history.

Company response to consumer: Closed with non-monetary relief