vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Date of repossession of vehicle was on XX/XX/year>, received a letter in the mail dated XX/XX/year> that the vehicle was sold in the amount of {$18000.00} and the amount owed was {$7000.00} with fees. XX/XX/year> Kia Finance America reported an amount of {$3900.00} to the credit bureaus. XX/XX/year> I received noticed that Kia Finance America is now reporting and owe amount of {$22000.00} which is the original amount pre sell of the vehicle. I have not received any letters from Kia Finance about the final amount owed outside of XX/XX/year>

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 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I was not informed of any alternative options for managing my car payments before being placed on the repossession list. I believe it is important to highlight that I was not given an opportunity to explore or discuss potential solutions that could have prevented this outcome. Clear communication and transparency regarding available options would have allowed me to address the situation more effectively and avoid this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Subject : Dispute of Fraudulent Accounts and Incorrect Information on My Equifax Credit Report Dear Equifax, I am writing to formally dispute multiple inaccuracies on my Equifax credit report, including fraudulent accounts, incorrect personal information, and unauthorized addresses. My personal and credit information was compromised as a result of the Equifax data breach and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to unauthorized activity and false reporting on my credit report. 
The following accounts are inaccurately reported and do not belong to me. I demand that they be permanently deleted from my credit report : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, there are variations of my name and numerous addresses listed on my credit report that I have never used or lived at. These errors further demonstrate that my personal information has been compromised and misused.

Under the Fair Credit Reporting Act ( FCRA ), 611, I request an immediate investigation into this matter. As these accounts and personal information are inaccurate and unverifiable, they must be removed from my credit file. Reporting false and unauthorized information violates my rights as a consumer under the FCRA. 

Please conduct a thorough investigation and provide written confirmation once all inaccurate accounts, name variations, and unauthorized addresses have been permanently removed from my credit report. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
Most recently as XXXX, I attempted for Santander to initiate the process of removing my name from the loan, as it was a loan I took out with my ex-fiance months prior to getting a protection order from her. 

The original car amount was 30,301, term length of 72 months. That said, despite trying to get in contact with Santander and my ex-fiance, I have been unable to get my name off of the car. 

Santander provided a letter on behalf my ex-fiance, on XX/XX/XXXX, that only stated my name would be taken off of the title of the car, but that I would still be in charge of any payment due. 

In XXXX of XXXX, I attempted to get in contact with the loan company, and was not made aware of the extend of late payments on the vehicle. 

In XXXX alone, my ex-fiance missed 7/12 payments in the vehicle, which is significantly impacting my credit score. 

Screenshots are communications with my ex-fiances ' family, as I am a victim of abuse and had a protection order against my abuser.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
It was reported that I had account with a collection agency, of which I had no legal agreement as well as charge offs to account being reported continuously after the initial charge off date.

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 2025-01-28 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 submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, XXXX, and Transunion data breach.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had fraudulent transactions in my account with XXXX XXXX  I never had XXXX XXXX so when I noticed all called direct and I called bank of America to dispute the transaction I was giving provisional credit I even sent Bank of America identity theft report now I just getting withdrawal pulled from my account they havent sent any letters or nothing

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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I used " Chase XXXX '' through my chase credit card points to book a hotel reservation. I used 89,701 points for the hotel reservation. On XX/XX/XXXX I called Chase to cancel the reservation. They confirmed that the reservation was fully refundable since I called during the free cancellation period. The cancelled the reservation for me and stated the points would be refunded to my points balance within 5 business days. They sent me an email confirmation of the confirmation which clearly shows I would receive a refund of the full 89,701 points. After not receiving the points after 5 business days I called Chase. They stated I am due the full refund and they will escalate the issue and I would receive a refund shortly. I called up again on XX/XX/XXXX and again they state they are escalating the issue but it has now been another week and I still have not gotten my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Here is the list of fraudulent inquiry : XX/XX/XXXX - XXXX/XXXX/2024

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-28 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: GA

Complaint narrative:
XX/XX/XXXX XXXX open an account in my name online. No ID no verifiable signature and yet they open this fraudulent account without my knowledge. Ive been trying to dispute this for 4 years to no avail, now LVNV funding has purchased this fraudulent account from XX/XX/XXXX XXXX and after sending them the identity theft affidavit they still havent remove this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
RESIDENT VERIFY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Upon reaching out to Equifax to inform them of inaccurate information on my credit report and unable to access my credit file on their website due to error BLNK and unable to access my file on XXXX XXXX an other reporting sites. I was told to submit my Social Security card along with identification which I did they advised me to wait 3-4hours and I would be able to access my report upon waiting 24hours I still had no access or updates to my credit file I reached out again regarding the matter an repeated the steps still no resolution. Im unable to access my credit file and nothing is being done to resolved the issue. I was told I had no inquires on my. Edit report which should be correct but upon checking Im seeing over 13 inquires which shouldnt be there the rep I spoke with told me the information he saw on credit reports shows XX/XX/XXXX inquires but online shows 13 its so many inaccurate information on my file due to fraud and equifax seem not to care to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/year>2025 there were multiple fraudulent attempts to apply for credit cards under my name. The companies processing these applications included XXXX XXXX, XXXX, and XXXX XXXX. In an effort to verify eligibility the credit bureaus placed hard credit checks which negatively impacted ( reduced ) my credit score. While the cards were not issued, because of freezes on some of my credit reports, the score reduction is reflected in my accounts for TransUnion and XXXX ( where I did not previously have freezes in place ). Subsequent to this event, I placed freezes on my accounts with all the credit bureaus to prevent similar fraudulent activity in the future. I request that the hard credit checks be removed from any impacted credit report with the three bureaus ( XXXX, XXXX, TransUnion ) to restore my credit rating and to prevent my having to wait two years for them to drop off -- as these impacts were the result of fraud. TransUnion instructed me to file a report to start the removal process.

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 2025-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) finalized a rule on XX/XX/XXXX that prohibits medical debt from being included on consumer credit reports they sending me a medical bill on corona time XXXX for {$2800.00} and {$1700.00} i dispute it through credit bureau and they haven t taken it off the compamy name ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my name ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I want to file a complaint against Comenity Bank Visa. I opened this credit card with XXXX XXXX. I was doing a purchase with them on XX/XX/year> of {$970.00} but was told the credit machine was broken so we end up cancelling the purchase and i never signed the purchase then refunded me on XX/XX/year>. On XX/XX/year> they charged me again for {$970.00}. I called XXXX XXXX and they directed me to call Comenity Bank, they directed me back to the XXXX XXXX. I was going back and forth for a month now and nothing is resolved. XXXX XXXX stated there was nothing on my account but the statement sent by Comenity Bank stated otherwise. Comenity bank told me there is nothing they can do. I am currently battling with late fees on a purchase that i was told was invalid. Another problem is that they have this credit on file but they never even send me a physical credit card yet they were able to charge it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
My original credit card rate on my American Express card was 10.5 % and over the years they have kept increasing it even though Ive not violated any of the terms of the credit agreement. I have never made a late payment. The worst increase was after the XX/XX/XXXX in XXXX. InXX/XX/XXXXhey incresaed the rate again to XXXX even though I had never had a late payment and maintained a credit score close to XXXX or better. These actions are just a money grab by American Express that is contrary to the terms of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several collections accounts listed on my credit report, which I believe were fraudulently opened without my knowledge or authorization. These accounts are inaccurate and must be removed from my report under the Fair Credit Reporting Act ( FCRA ). 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX : {$1300.00} Date Opened : XX/XX/XXXX Original Creditor : XX/XX/XXXX XX/XX/XXXX AND OUT Balance : {$7300.00} Date Opened : XX/XX/XXXX Original Creditor : XXXX XX/XX/XXXX AND OUT Balance : {$12000.00} Date Opened : XX/XX/XXXX Original Creditor : XX/XX/XXXXON XXXX XXXX XX/XX/XXXX Balance : {$360.00} Date Opened : XX/XX/XXXX Original Creditor : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$410.00} Date Opened : XX/XX/XXXX Original Creditor : XX/XX/XXXXXXXX XXXX XX/XX/XXXX Balance : {$28000.00} Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XX/XX/XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Original Creditor : XX/XX/XXXXThese accounts were not authorized by me and are clear cases of identity theft. Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am requesting the immediate removal of these fraudulent accounts from my credit file.

Supporting Information : Under FCRA 611 [ 15 U.S.C. 1681i ], you are required to conduct an investigation within 30 days. Upon confirming the fraudulent nature of these accounts, please remove them from my report and provide written confirmation of your findings.

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 2025-01-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: KY

Complaint narrative:
XX/XX/year>25 - fully unable to register card. Unable to use it for any purchases. Device used does not matter, and I am only presented with a fake error message, claiming " We are unable to process your request at this time ''. No agent was able to explain the reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

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