vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I called TD bank NA finance department and Car loan department 4 times. I was told they could not find the vehicle on file nor could they locate the vin number I provided them and they could not locate the vehicle in there system. They were able to find a prior vehicle that was written off due to a XXXX, the vehicle I want the title for could not be located even though I paid the loan off and was paying the loan for the 6 years I financed through TD bank. I was told in XXXX they branched off from TD bank finance to TD bank auto loan., I contacted the finance department and regular customer service and was told they have been working on finding the information from when I first contacted TD on XX/XX/XXXX and still no resolution. I need the title because I need to get rid of the vehicle by giving it to another party. I have attached a copy of the information DMV has in there records showing proof TD bank was the finance company for the vehicle.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX  Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$0.00} XXXX XXXX XXXX Account Company or Organization : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX  Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$22000.00} XXXXXXXX XXXX XXXX88.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 XXXX XXXX XXXX. 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 to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX  of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
New Scam. XXXX XXXX XXXX phone number XXXX Calling saying they are the attorney representing a credit card company and are suing me for money 's owed from 2011. When I mentioned statute of limitations they got very nasty and hung up the phone

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute a late payment that was incorrectly reported on my credit file by XXXX XXXX, the late payment was added to my account in XX/XX/year>, despite the fact that I was disputing the charge at the time, under FCRA, negative remarks shouldnt be reported on an account thats actively being disputed, the derogatory remark was improperly placed on my credit report and should be removed immediately.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX USED CAR CEN - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: CA

Complaint narrative:
I received a Cash app card in the mail I did not apply for. It has my full name on it, however when I called the company Cash App to shut it down they sent me an email saying they wanted me to upload the card front and back. I did not do as such.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/year>, I sent a written request for debt validation to XXXX, TransUnion, and XXXX pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), which grants me the right to dispute inaccurate information on my credit report and request an investigation. I specifically identified the disputed accounts and provided supporting documentation to demonstrate that the information being reported is inaccurate.

As of today, All 3 bureau ( s ) have failed to respond to my request or provide the required validation of the debt. Despite my lawful dispute, the bureaus continue to report the inaccurate information on my credit report, which is harming my creditworthiness and causing financial and emotional distress. 

The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. The bureaus failure to comply with my request and their continued reporting of inaccurate information violates my rights under the FCRA. 

I am requesting that the CFPB intervene to ensure that the credit bureaus comply with the law, conduct a proper investigation, and remove or correct the inaccurate information from my credit report. 

Thank you for your assistance in resolving 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 2025-01-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/year>, I sent a written request for debt validation to XXXX, XXXX, and Equifax pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), which grants me the right to dispute inaccurate information on my credit report and request an investigation. I specifically identified the disputed accounts and provided supporting documentation to demonstrate that the information being reported is inaccurate.

As of today, All 3 bureau ( s ) have failed to respond to my request or provide the required validation of the debt. Despite my lawful dispute, the bureaus continue to report the inaccurate information on my credit report, which is harming my creditworthiness and causing financial and emotional distress. 

The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. The bureaus failure to comply with my request and their continued reporting of inaccurate information violates my rights under the FCRA. 

I am requesting that the CFPB intervene to ensure that the credit bureaus comply with the law, conduct a proper investigation, and remove or correct the inaccurate information from my credit report. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Block, Inc.
State: VA

Complaint narrative:
ON XX/XX/year> CASHAPP ALLOWED {$75.00} TO BE TAKEN FROM MY ACCOUNT FRAUDULENTLY AND SENT TO XXXX XXXX SOMEONE I DONT KNOW ANYTHING ABOUT WHEN I CONTACTED CASHAPP TO TELL THEM I DIDNT AUTHORIZE THAT TRANSACTION THEY TOLD ME THEY WILL LOOK INTO IT AND QUICKLY THERE AFTER DECLINED MY REFUND OF MY {$75.00} STATING THAT I HAD SENT THIS PERSON XXXX XXXX {$15.00} BEFORE WHEN I DONT KNOW THIS PERSON AND I NEVER AUTHORIZED ANY TRANSACTION TO HIM THESE TRANSACTIONS WITH XXXX XXXX ARE FRAUDULENT ACTS THAT CASHAPP ALLOWED TO HAPPEN TO ME AND THIS IS UNFAIR AND THIS IS HAPPENING TO THOUSANDS OF PEOPLE AROUND THE WORLD

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:
I am writing this complaint with absolute certainty and extreme frustration. My credit report contains numerous errors, including items that appear to be the result of fraud and identity theft. These inaccuracies are significantly affecting my life and credit score, making it impossible for me to achieve financial stability and freedom.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 a Accounts : XXXX XXXX XXXX  Account # XXXX adet opened XX/XX/XXXX bal. {$41000.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$23000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$390.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: 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, 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 — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: GA

Complaint narrative:
XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Reporting and Unauthorized Use of Artificial Intelligence Dear [ Background Check Company : CHECKR INC. 

I am writing to formally address concerns regarding inaccurate information provided in background reports issued by your company and the potential unauthorized use of artificial intelligence in your services. 

XXXX. Inaccurate Reporting : I have recently been made aware that your company provided incorrect information about me to [ XXXX XXXX XXXX XXXX  ]. This misinformation has caused [ NOT ELIGIBLE FOR HIRE, reputational damage, loss of employment. ]. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information in background checks, and your company is obligated to ensure the accuracy of the data you report. 

I request that you immediately : XXXX.Investigate the inaccuracies in the report.

2.Provide me with a copy of the report in question.

3.Correct any errors and issue a revised report to [ XXXX, XXXX XXXX ]. 
4.Confirm, in writing, the steps you have taken to rectify this matter. 

XXXX. Unauthorized Use of Artificial Intelligence : It has come to my attention that your company may be utilizing artificial intelligence in its background check processes. I did not provide consent for my personal information to be processed or analyzed using AI technologies. If this is the case, it raises serious concerns about the ethical and legal implications of your practices, including potential violations of my privacy rights. 

I request clarification on the following : I DON'T UNAUTHORIZE ARTIFICIAL INTELLIGENCE TO HANDLE ANY OF MY INFORMATION. 
Whether artificial intelligence was used in the preparation of my background check. 
1.The specific purposes and methods for which AI was utilized.

2.Whether you obtained explicit consent to use AI in processing my information. 

Next Steps : Please respond to this letter within [ XX/XX/year> ] days, providing detailed answers and documentation regarding the above concerns. If I do not receive a satisfactory response, I XXXX be compelled to escalate this matter by filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), or taking other legal actions as necessary. 

I trust that your company will treat this matter with the seriousness it deserves and act promptly to resolve my concerns. I look forward to your response. 

Sincerely, [ Your Name ]

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 additional products or services purchased with the loan
Company: U.S. BANCORP
State: VT

Complaint narrative:
The lender is failing to servicing the loan appropriately. The vehicle was purchased in California and is now in Vermont. I processed a state to state registration transfer ( from California to Vermont ) The lender has been requested by the Vermont DMV to provide documentation for the state to state transfer for registration purposes. I have called US bank repeatedly to provide the address where the vehicle is located and they have have failed to record the physical address or to send the appropriate state to state transfer to the DMV in Vermont. I have called them to request this paper and to provide a physical address several times XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. US Bank still fails ( despite assurances that they have ) to update the physical address so that they can send the necessary paperwork to the Vermont DMV. I have called again today XX/XX/XXXX and spoken to XXXX ( # XXXX ) and like previously, she has assured me that the physical address has been updated ( this is not the first time I have been assured of this ). I have lost any and all confidence that US Bank can service my loan appropriately. Due to this mismanagement on their part, I have been unable to register the vehicle in Vermont.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

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.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 proce 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Its beyond frustrating to see the same mistakes show up on my report over and over again. These errors are doing real damage to my score and blocking opportunities that Ive earned through hard work. I shouldnt have to keep dealing with inaccuracies that shouldnt be there in the first place.

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 card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these account.

Company response to consumer: Closed with non-monetary relief