vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Company or Organization : XXXX XXXXXXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$250.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$500.00} Other Identity Theft Company or Organization : XXXX  Account Number : XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$4100.00} Fraudulent Online Shopping or XXXX Account XXXX or Organization : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$5000.00} XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Information on Credit Reports Other Identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Date fraud XXXX : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX : Dispute of Hard Inquiry on Credit Report Dear CFPB, I am writing to dispute an hard inquiry that appears on my credit report. The inquiry in question is from TD Bank and was made on XX/XX/year>. I believe this inquiry is incorrect and should be removed from my report. I disputed it with TD Bank and they resolved it in my favor however until now that inquiry still appears in my credit report. I contacted XXXX as well but they said they haven't received any TD Bank request to delete that hard inquiry. I tried to explain and provide the letter I got from TD Bank but they explained me that they have to receive the deletion request from the financial institution ( in this case TD Bank ), so right now, TD Bank says they requested to delete the hard inquiry to XXXX and XXXX says they haven't received anything from TD Bank. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled ( page XXXX ) and supporting documents that show why this inquiry is incorrect. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
i have a complaint against fifth third bank mortgage company. 
i applied for home insurance through a company called XXXX, on day XX/XX/2024, then on XX/XX/XXXX i asked for cancellation to move to another insurance, called XXXX  on XX/XX/2024, the mortgage company at that time didn't pay for the XXXX  XXXX  XXXX  company, and they paid XXXX XXXX  company... 
on day XX/XX/2024 XXXX  XXXX  contacted my fifth third bank asking to be paid!! though they have a cancellation from me since XX/XX/2024, they informed my mortgage company that i am shifting back from XXXX  to them ( XXXX XXXX  ) again..! and they need the money to be paid!! which was completely untrue! so fifth third bank paid them the full amount of insurance, though they paid already XXXX! and i didn't cancel XXXX  at all!! XXXX so they paid XXXX home insurance!!! the XXXX XXXX  company ( XXXX XXXX XXXX XXXX ) took the full amount from the mortgage company and refunded me the payment deducted by XXXX $ as a penalty for cancelling the insurance..!! 
this is all miy paid XXXX home insurance!!! the XXXX XXXX company ( XXXX XXXX XXXX XXXX ) took the full amount from the mortgage company and refunded me the payment deducted by XXXX $ as a penalty for cancelling the insurance..!! 
this is all mistake from fifth third bank because they paid XXXX home insurance company, though i cancelled XXXX XXXX company from day XX/XX/2024, they paid for them in XX/XX/2024 and i ended by loosing XXXX XXXX 
please i need fifth third company to put the XXXX $ that they lost me back to the escrow account. 
regards XXXX XXXX XXXX stake from fifth third bank because they paid XXXX home insurance company, though i cancelled XXXX XXXX company from day XX/XX/2024, they paid for them in XX/XX/2024 and i ended by loosing XXXX XXXX 
please i need fifth third company to put the XXXX XXXX that they lost me back to the escrow account. 
regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Below are the fraudulent accounts for delete : XXXXXXXX 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am writing to formally request the removal of all accounts currently reported in my credit file. I have reviewed my credit report and noticed that it contains several entries that I believe should be removed for various reasons, including inaccuracies or outdated information. 

I kindly request that you investigate my credit file and take the necessary steps to ensure that all accounts reported are removed. If there are specific requirements or documents needed to process this request, please let me know, and I will provide them promptly. 

I would greatly appreciate your attention to this matter and a timely resolution. Please confirm the actions taken and provide me with an updated credit report once the requested changes have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint narrative:
I am writing to formally request the removal of all accounts currently reported in my credit file. I have reviewed my credit report and noticed that it contains several entries that I believe should be removed for various reasons, including inaccuracies or outdated information. 

I kindly request that you investigate my credit file and take the necessary steps to ensure that all accounts reported are removed. If there are specific requirements or documents needed to process this request, please let me know, and I will provide them promptly. 

I would greatly appreciate your attention to this matter and a timely resolution. Please confirm the actions taken and provide me with an updated credit report once the requested changes have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: SD

Complaint narrative:
I bought a vehicle from XXXX XX/XX/XXXX a XXXXXXXX XXXX XXXX, based on it still had XXXX or XXXX of manufacturing warranty still on it that they gave me in the paperwork when I bought the car. 

I've only had the car for 13 months and last month when I went in to get repaired, the dealership volkswagon says my warranty expired XX/XX/XXXX. I rechecked again today, volkswagon says the same thing and says carvana gave me wrong info and to call them. 

I called carvana today, senior representative in sales dept states he understands my frustration and sees that they should've had the correct info given to me. But they don't sell the manufacturing warranty, so there's nothing they can do. 

I told them you did sell me a car, and provided documentation of a car that still had warranty on it, that's a big reason I bought the car. 
He refused to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was told that my complaint was not effeciant enough with out supporting documents I am re submitting this claim because I now have supporting documents I am submitting this complaint with a FTC IDENTITY THEFT REPORT the following account is a result of my identity being stolen and it should be removed from my credit report immediately Account Name : XXXX XXXX Account Number : XXXX Date Opened : 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

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

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Company or Organization : XXXX XXXXXXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$250.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$500.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$4100.00} Fraudulent Online Shopping or Payment Account Company or Organization : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$5000.00} Fraudulent Information on XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I bought a home at XXXX XXXX XXXX XXXX XXXX  was left over from the loan The lawyer company and a loan company decided to pay off my credit debts One of my credit debts was money lion. The checks were sent out on the XXXX they were received and paid on the XXXX of XXXX. I called the bank on the XXXX of XXXX where I was told that the check was being held for 10 to 14 days because it haven't received the funds, again called on the XXXX where I was told the money was not received. So I took it upon myself to call XXXX XXXX  in XXXX NC. Who told me I needed to speak with XXXXXXXX XXXX XXXX people that sent the check. So I proceeded to call XXXX XXXX XXXX  who upon telling me that the checks cleared and the money was allocated and sent out on XX/XX/XXXX. XXXX minutes before I talk to the XXXX XXXX XXXX I asked a supervisor at money lion why the money still was being held and not put into my XXXX XXXX XXXX loan to show that it was paid off I was told they had 10 to 14 days to make it show. My gas has been cut off I'm out of food and that money is the last of the money I have.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My personal & financial information was compromised without my authorization. The Family Educational Rights & Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA & your responsibility to safeguard my information. 

Given the severity of this breach & the resulting compromise of my personal & financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My personal & financial information was compromised without my authorization. The Family Educational Rights & Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA & your responsibility to safeguard my information. 

Given the severity of this breach & the resulting compromise of my personal & financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My personal & financial information was compromised without my authorization. The Family Educational Rights & Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA & your responsibility to safeguard my information. 

Given the severity of this breach & the resulting compromise of my personal & financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
On XX/XX/year> Freedom Mortgage placed a lender placed Hazard Insurance policy on my mortgage account in the amount of {$4400.00} annually. I've always paid my own insurance and taxes without an escrow account. This escrow balance did appear on the following months statement, although no charge for the balance was present on my statement. I spoke with a representative from Freedom Mortgage around the time the balance originated. Their representative informed me there was no escrow balance charge or lender placed insurance on my account. This response from their representative made sense because I've always paid my homeowner 's insurance and property taxes myself, without an escrow account. 

An actual charge for this escrow balance did not appear on my mortgage statement for the following 7 statements until XXXX and my payment increased several XXXX dollars a month. This was, at the same time, that Freedom Mortgage was in the process of selling my loan to XXXX XXXX XXXX effective XX/XX/year>. I attempted to reach out to Freedom Mortgage numerous times regarding this issue with XXXX success. 

Freedom Mortgage elected to charge me for this lender placed insurance on my last statement. While at the same time, selling my loan to XXXX XXXX, and increasing my monthly payment by hundreds of dollars a month. I have submitted statements from my insurance provider reflecting that I have always paid my homeowner 's insurance with no response from Freedom Mortgage.

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