vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Financed vehicle in XXXXXXXX 
From the hidden fees in contract, enormous interest rate XXXX XXXX XXXX XXXX falsely e-signing my signature, reporting the vehicle " TOTAL LOSS '' in XXXX BEFORE the insurance adjuster came to look at " minor damages '' as he reported! MULTIPLE tickets of not registering for new tags because my title was held by " the company '' with over half dozen requests to issue the title.Paid twice the ACTUAL REPORTED VALUE of the car in XXXXXXXX Denied multiple times for trade- in because " lien XXXX reported on title status since XXXX till present day, nor able to sell when I had a great offer for it! 
Totally scammed over the years & sad to dig all the information up to find out - I worked hard & sacrificed to reveal being taken advantage of in such a manner of illegal business practices!

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 2025-02-27 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
Good day, I cant begin to describe how frustrating and exhausting this situation is. Waking up to an unfamiliar debtone I never applied for or agreed XXXX both shocking and distressing. On top of that, I have been relentlessly harassed through multiple communication channels, even facing threats of legal action. As a law-abiding consumer, I find this a blatant violation of my rights. This has taken a serious toll on my mental well-being, causing sleepless nights and extreme XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding the unjustified blocking of my account and rejection of a wire transfer request at the Citibank branch located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, on XX/XX/2025, at XXXX. 

I visited the branch in person to initiate a wire transfer of {$550000.00} from my savings account to XXXX for the repayment of a mortgage loan. Despite providing all necessary information, including a closing statement from the attorneys confirming that these funds originated from the sale of our second home, Citibank rejected the transfer request and proceeded to block my account without any valid explanation. I was informed that the account would be frozen for 60 days, and the bank has refused to provide a reason for this extreme measure. 

As a result, I am completely unable to access my funds online, over the phone, or in person, which is causing severe financial hardship. The {$550000.00} is urgently needed to settle the mortgage on our primary home, and this unjustified freeze is preventing timely repayment, potentially leading to financial penalties and adverse consequences. 

I am requesting Immediate access to my account and release of the funds. I will escalate my complaint to the Office of the Comptroller of the Currency ( OCC ) and other relevant financial regulatory authorities. I appreciate your support to esclate this to Citi bank for resolution. 

Regards, 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 2025-02-27 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: NJ

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX and TransUnion for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) by unlawfully reporting " late payments '' on my credit report. 

Under 15 U.S. Code 1681a ( c ) and 15 U.S. Code 1681s-2, creditors and credit reporting agencies are prohibited from reporting transactions such as late payments that do not constitute a new credit obligation. 

FCRA Violation : Reporting Late Payments as Transactions Late payments are considered transactions, not new credit obligations. 
The FCRA prohibits reporting transactions, and late payments are merely a historical record of account activity, not a public record or derogatory item. 

The reporting of late payments is misleading and unfairly damages my credit. 
Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers must ensure all information is accurate and not misleading. 
Reporting late payments mischaracterizes my account status and unfairly penalizes me. 

Failure to properly investigate my dispute. 
I disputed the late payments with XXXX, XXXX, and TransUnion, but they failed to conduct a reasonable investigation as required under FCRA 1681s-2 ( b ). 

The inaccurate reporting of late payments has severely impacted my creditworthiness, causing undue harm in obtaining credit and financial stability. I demand prompt corrective action to rectify this unlawful practice.

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 2025-02-27 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: NJ

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXXXXXX, Equifax, and XXXX for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) by unlawfully reporting " late payments '' on my credit report. 

Under 15 U.S. Code 1681a ( c ) and 15 U.S. Code 1681s-2, creditors and credit reporting agencies are prohibited from reporting transactions such as late payments that do not constitute a new credit obligation. 

FCRA Violation : Reporting Late Payments as Transactions Late payments are considered transactions, not new credit obligations. 
The FCRA prohibits reporting transactions, and late payments are merely a historical record of account activity, not a public record or derogatory item. 

The reporting of late payments is misleading and unfairly damages my credit. 
Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers must ensure all information is accurate and not misleading. 
Reporting late payments mischaracterizes my account status and unfairly penalizes me. 

Failure to properly investigate my dispute. 
I disputed the late payments with XXXX, Equifax, and XXXX, but they failed to conduct a reasonable investigation as required under FCRA 1681s-2 ( b ). 

The inaccurate reporting of late payments has severely impacted my creditworthiness, causing undue harm in obtaining credit and financial stability. I demand prompt corrective action to rectify this unlawful practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While checking my consumer report I noticed XXXX separate fraudulent inquiries that appear on my consumer report XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection agency activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-02-27 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:
Late Payments : 15 USC 1681 a2Xi 15 USC 1681 Permissible Purpose 15 USC 1681b Reinsertion Deleted Item 15 USC 1681i5b Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report XXXX : XXXX XXXX : XX/XX/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 XXXX XXXX XXXX I am requesting a certification of accuracy for any and all information your agency has reported concerning me and the immediate cessation and removal of any unverified , inaccurate, or unauthorized data. I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am requesting the names and business addresses of each individual you contacted for verification purposes.

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 2025-02-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
There is an account that i did not know was even there and now its affecting my future on housing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXXXXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX Balance {$3900.00} ETER FIN XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CO

Complaint narrative:
The company appeared on my credit report for a debt owing {$380.00}. I called to request proof of debt and had no resolution. It's a debt from XXXX XXXX which I have no acknowledgement with. With the numerous attempts I have no other resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
I recently obtained a copy of my credit report from Experian and discovered multiple fraudulent accounts that I did not open or authorize. I am a victim of identity theft, and I am formally disputing the following accounts as fraudulent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 
1681c-2, I am requesting the immediate block and removal of these accounts from my credit file. 
Fraudulent Accounts Identified Premier XXXX XXXX  Account Number : XXXX Status : Charged off, {$740.00} written off. 
XXXX XXXX XXXX Account XXXX : XXXX Status : Charged off, {$29000.00} written off. 
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$540.00} past due. 
XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$630.00} past due. 
XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$7500.00} past due. 
XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$8800.00} past due. 
XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$580.00} past due. 
XXXX XXXX Account XXXX : XXXX XXXX : XXXX account, {$6400.00} past due. 
XXXX XXXX XXXX Account XXXX : XXXX XXXX : XXXX account, {$1100.00} past due. 
Legal Notice & Request for Account Removal As a victim of identity theft, I am asserting my rights under : FCRA 15 U.S.C. 1681c-2, which requires credit bureaus to block and remove FCRA 15 U.S.C. 1681i, which mandates the removal of unverifiable or inaccurate information. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, which prohibits fraudulent debt collection activities. 
I request that Experian immediately take the following actions : XXXX. Remove all fraudulent accounts listed above from my credit file. 
XXXX. Send me an updated copy of my credit report showing these accounts removed. 
XXXX. Provide me with information on the source of these fraudulent accounts, including any applications or documents associated with them. 
Enclosures ( Required Documents for Identity Theft Dispute ) Copy of my government-issued ID ( drivers license or passport ) Proof of address ( utility bill, lease agreement, or bank statement ) Copy of my FTC Identity Theft Report ( filed at 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 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: GA

Complaint narrative:
I am beyond frustrated and exhausted by this situation. I recently discovered a debt on my credit report that I do not recognize, did not authorize, and have no knowledge of. Despite this, I am being harassed from multiple platforms, even facing baseless threats of legal action. This is a complete violation of my rights as a consumer, and it is negatively impacting my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: OH

Complaint narrative:
During previous conversations with the loan XXXX, XXXX XXXX XXXX, he suggested that I extend my equity line of credit to fund the down payment for my new home with XXXX XXXX. He explained that I could hold XXXX mortgages by closing on my new home, then move into the new home, and then make a large principal lump sum payment on the new home with the proceeds after the sale of my current home, leading to a re-amortization. This was a concept I had not encountered before and had not considered as an option. 

After discussing this with my family, someone with extensive experience in the mortgage industry informed me that a suggestion to hold XXXX mortgages in this manner is considered a predatory lending practice. Given my limited experience in this area, I now realize that this approach could put me at significant financial risk which was not disclosed by the loan XXXX. I feel misled, as the financial implications were not clearly presented to me, and borrowing my down payment is not a strategy I am comfortable with. XXXX, mortgage loan XXXX also refused to communicate via email and would only discuss all matters over the phone. 

I have been advised that this situation should be reported to the Consumer Financial Protection Bureau ( CFPB ). I respectfully requested a release from my contract and a full refund of my deposit and XXXX money. 

The email response I received contained mostly all inaccurate information. I never said I wanted to be non-contingent. I was never told about a knock loan and that description was never used. I was never told there was a third party. I was never told construction would not start if I could not sell my home as he is implying. He spoke of borrowing the funds for the down payment after I had already signed the contract and placed my XXXX money and deposit down. I did not change jobs, I was offered a job but did not take it. I wanted to communicate with the XXXX XXXX via email not over the phone once I was made aware this type of lending practice was predatory. Im not sure what they meant when they said he attempted to contact me and I did not respond.

Company response to consumer: Closed with explanation