vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: NM

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
I am writing to formally request validation of the alleged debt associated with the XXXX XXXX XXXX account, as provided on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ) and applicable consumer reporting laws, I am entitled to receive verification of the debt before any further collection activity or reporting is made. 

The account information listed on my XXXX report is as follows : Reported Date : XX/XX/XXXX Balance : {$1600.00} Original Creditor : XXXX XXXX XXXX ( Closed ) Account Opened : XX/XX/XXXX ( approximately XXXX XXXX XXXX XXXX XXXX ) Account Status : Open, Derogatory ( Placed for collection ) Responsibility : Individual Remarks : Account information disputed by consumer In accordance with my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), I request that you provide me with the following documentation : 1. Complete Account Ledger & Itemization : A detailed, itemized breakdown of the alleged debt amount of {$1600.00}, including any fees, penalties, or charges that have been added.

2. Original Agreement & Proof of Liability : A complete copy of the original signed agreement or contract with the original creditor ( XXXX XXXX XXXX ) that shows my obligation to pay this debt.

3. Chain of Title Documentation : Verification that XXXX XXXX XXXX is legally entitled to collect this debt, including any documentation showing the transfer or assignment of the debt from the original creditor.

4. Validation of Debt Amount and Reporting : Documentation that verifies the amount claimed and confirms that this debt is reported in accordance with the Metro 2 data standards and FCRA requirements for accuracy. 




Until I receive the requested validation, I hereby dispute the validity of this debt and request that all collection activities cease. Furthermore, if you are unable to provide the requested documentation within 30 days, please remove all references to this account from my credit file as required under FCRA 1681i ( a ) ( 5 ) ( A ).

Please send all correspondence and copies of the requested documentation to the address listed above. If you have any questions or require additional information, please contact me in writing. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NE

Complaint narrative:
I have been on the phone for the past XXXX weeks disputing accounts that are not mine. Incorrect information regarding auto loan with XXXX XXXX the loan is reporting on my report as well as XXXX XXXX XXXX notice they made a correction by changing the balance to XXXX and placing the account with XXXX XXXX in collections the account was reported from XXXX as a different account thats the reason I dispute and also ask the company to forward documents I have not receive anything. As I have been explaining to Transunion and Equifax Experion that XXXX of my account in collections and close accounts does not belong to me. They assured me that the accounts are being diluted but when I check 24 hours later they are not in 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 non-monetary relief
Consumer complaint received 2025-03-01 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: OK

Complaint narrative:
Experience data breach with credit report agency and my information was breached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
On XX/XX/year> XXXX  XXXX from XXXX XXXX XXXX attorney received a subpoena return from american express. American express is denying the grand jury subpoena XXXX  XXXX submitted to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, my car was repossessed. I was in constant communication with XXXX XXXX acceptance and they vowed to work with me on reinstating my vehicle. On XX/XX/XXXX, I paid almost {$3000.00} to bring my balance current as well as pay any other fees that are associated with the repossession. On XX/XX/XXXX, American credit acceptance informed me that my vehicle was sold and that they were trying to send an escalation in order to reverse the sale. However, the customer that purchased my vehicle declined. Instead of validating, my feelings and concerns, they told me the best that they could do was to send an escalation.. On XX/XX/XXXX, American credit acceptance informed me that my vehicle was sold and that they were trying to send an escalation in order to reverse the sale. However, the customer that purchased my vehicle declined. Instead of validating, my feelings and concerns, they told me the best that they could do was to send an escalation to see if I would either be given a refund or determine the amount the vehicle sold for in order for me to pay the difference, although I was completely current prior to the sale on XX/XX/XXXX. Throughout this situation, my rights were violated. American credit acceptance, stated I had to write to reinstate and redeem my vehicle which they violated, and they also sold my vehicle illegally and they are not assuming responsibility for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 


Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear TransUnion, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : XXXX  XXXX Account Number : XXXX Amount : {$3500.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
Subject : Unjustified Withholding of Funds SoFi Refusing to Release Preauthorization Hold Company Name : SoFi Bank, N.A.

Complaint Details : I am filing a complaint against SoFi for improperly holding funds on my debit card transaction, despite their own policy stating that holds should be released once the final charge is processed. 

On XX/XX/XXXX I made a purchase with XXXX using my SoFi debit card. 

The final charge posted XX/XX/XXXX, yet SoFi is still holding the preauthorization amount, effectively double-charging me. 

I confirmed with XXXX that the transaction was fully processed, and the Transaction ID for the pending and posted charge is the same, proving that the preauthorization will never convert into a final charge. 

SoFi first claimed XXXX was at fault, then stated they could not see the Transaction ID, and later claimed their terms do not specify when they must release holdsall contradictory excuses. 


Now, SoFi has admitted that their system automatically generated a release date of XX/XX/XXXX, but they refuse to manually release the hold, despite knowing the funds should no longer be withheld. 

Why This is a Violation : SoFis own terms state : " Once the final payment amount is received, the preauthorized amount on hold will be removed. '' Since the final transaction is already fully processed, the hold is unnecessary and unjustified. 

By refusing to release funds until XX/XX/XXXX, SoFi is knowingly restricting my access to my own money, despite acknowledging that the hold serves no purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-01 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: SC

Complaint narrative:
After reviewing my recent credit report, I noticed that I have multiple fraudulent collects on my credit report. The fraudulent collections have been reported on my FTC report. The collections have impacted my credit score negatively. I have no knowledge of the fraudulent accounts. Please remove the accounts from my credit profile as they are negatively effecting my report and my ability to obtain new credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: MI

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX Opened XXXX XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Opened 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 non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested that TransUnion Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX.Thank you for your prompt attention to 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 2025-03-01 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: TX

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NC

Complaint narrative:
My information was leaked in a couple data breaches

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NC

Complaint narrative:
My information was leaked in a couple data breaches

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Remitly, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, Remitly XXXX withdrew {$2200.00} from my checking account. I never authorized this transaction, and neither am I a Remitly customer. I have sent an email to the company requesting that the cash is returned immediately with no response as of now, and have also contacted my bank who said they will investigate. I am retired and cash tight, and thus this unauthorized transaction puts a big burden on me being able to pay for my rent, utilities and food. 
I appreciate your help returning my money to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Equifax Information Services , LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear Equifax, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Section 609 Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : 1. XXXX XXXX  Account # : XXXX Date Opened : XXXX XXXX Amount : {$720.00} I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I have contacted Capital One multiple times regarding an overpayment discrepancy but have not received a satisfactory resolution. I reviewed my credit card statements for the past few months and found total charge issues- XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX Here is the month wise breakdown- XXXX I reviewed my credit card statement for the period of XX/XX/XXXX to XX/XX/XXXX. I made a payment of {$500.00} on XX/XX/XXXX, with a total amount owed of {$610.00}. 

The statement reflects transactions totaling {$320.00} from XX/XX/XXXX to XX/XX/XXXX, However, transactions posted between XX/XX/XXXX and XX/XX/XXXX, amounting to {$260.00}, should already be included in the {$610.00} balance. I have not counted any transactions made on or after XX/XX/XXXX. 

XXXX XXXX I reviewed my credit card statement for the period of XX/XX/XXXX to XX/XX/XXXX. My payment is due on the XXXX of each month. On XX/XX/XXXX, the total amount due was {$620.00}, and I made a payment of {$290.00}, leaving a balance of {$330.00}. 

The statement reflects additional transactions totaling {$260.00} between XX/XX/XXXX and XX/XX/XXXX. However, the amount of {$210.00} of these transactions should be included in the {$620.00} balance, as it typically takes 23 days for pending transactions to be processed and reflected in the total amount. I have not included any transactions made between XX/XX/XXXX and XX/XX/XXXX in this calculation. 

XXXX XXXX I reviewed my credit card statement for the period of XX/XX/XXXX to XX/XX/XXXX. The total bill amount was {$870.00}, and I made a payment of {$500.00} on XX/XX/XXXX. 

The statement also reflects transactions totaling {$250.00} from XX/XX/XXXX to XX/XX/XXXX. However, if we exclude the transaction of {$12.00} from XX/XX/XXXX, the remaining {$240.00} should already be included in the total bill amount of {$870.00}. 

XXXX I reviewed my credit card statement for the period of XX/XX/XXXX to XX/XX/XXXX, which shows a total balance of {$2500.00}. I made payments totaling {$2000.00} {$1000.00} on XX/XX/XXXX and another {$1000.00} on XX/XX/XXXX. My payment is due on the XXXX. 

The {$2500.00} balance includes transactions made up until XX/XX/XXXX or XXXX, amounting to approximately {$310.00}, as it typically takes 23 days for expenses to process and clear from pending status. However, the statement reflects total transactions of {$340.00} between XX/XX/XXXX and XX/XX/XXXX. Since I made payments on XX/XX/XXXX and XXXX, transactions posted before XX/XX/XXXX ( approximately {$340.00} ) were already included in the total balance of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX ( 15 minutes ago ) to me XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXX, PA XXXX. 


Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear TransUnion, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Section 609 Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : 1. XXXX XXXX XXXX Account Number : XXXX Amount : {$590.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, 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