vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Formal Complaint and Request for Investigation : Unlawful Repossession by Ally Financial and XXXX XXXX  Dear CFPB I am writing to formally submit a complaint regarding the unlawful repossession of my vehicle on XX/XX/year>, by XXXX XXXX on behalf of Ally Financial. I believe this action violated my rights and was carried out in a manner that does not comply with applicable laws. 

I request restitution for the unlawful repossession and wish to retrieve my personal belongings from the vehicle today at XXXX PM. Please confirm that no additional keys will be made to avoid incurring further fees. 

Additionally, I would like to highlight that a bank wire transfer payment was made prior to the repossession. I have attached the confirmation for your reference. 

I also want to bring to your attention that XXXX XXXX has already made a key for my vehicle and charged an additional fee. XXXX, an employee at XXXX, informed me that she could not provide the amount for this fee and advised me to contact Ally Financial for that information. I believe this practice is not only unethical but also illegal, as it appears that my vehicle was repossessed without proper notice and due process. 

Furthermore, I allege that the notices sent by Ally Financial to borrowers before and after the repossession of their property did not comply with New Yorks Uniform Commercial Code requirements regarding form and content. While Ally Financial denies any liability concerning these issues in the ongoing class action lawsuit, they have agreed to a settlement, and the Court has not yet ruled in favor of either party. 

I request that the CFPB investigate this matter thoroughly, as I believe my rights as a consumer have been violated. I am prepared to provide any additional documentation or information necessary to support my claim. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$20000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$18000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$15000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$15000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$8800.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$2100.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$1400.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$140.00} Open Date XX/XX/XXXX 2021

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: 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Good morning, my name is XXXX XXXX and my case number is # XXXX. I filed a complaint against XXXX XXXX located in XXXX, Virginia. I am currently XXXX and have a fixed income of {$980.00} a month so I cant afford an expensive car note and my sales manager was aware of that. On XX/XX/XXXX I was offered a price off {$22000.00} on a XXXX XXXX XXXX that was on their website. I was told in a text by XXXX the sale manager that this price will be honored. I signed a digital contract and submitted it to the finance manager. The moment I got home and checked my email I noticed that the contract was incorrect and my signature was different. The contract they sent back to me was for {$29000.00} with a 72 month payment of XXXX which added up to {$46000.00}. I called them the next day and they refused to have me come in and go over the contract so they dismissed me by hanging up the phone in my ear. I did my own XXXX and noticed that they helped back information from me by not showing me the full XXXX. The car was in two accidents but I was only told about one where the vehicle was not damaged. I discovered that the care was in a major accident and the frame off the car was damaged ( Structural damage ) I found tape holding up parts of the car. I took the car to a XXXX XXXX XXXX and was told that the car was unsafe to drive and the repairs will be a total of {$10000.00}. I am unable to drive the car and now I have to look for a new one. I tried to pull the original contract that was sent to me and it shows that it expired. I have no idea what to do because I cant afford to get another car and only had the car for XXXX weeks. I have been trying to contact the dealership since XX/XX/XXXX and no one will speak to me. This is upsettling because I drive XXXX XXXX in this car and it almost ran off the road and almost killed us, due to I was unable to control it. PLEASE HELP ME.

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: WI

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.

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 status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GU

Complaint narrative:
The account listed on my credit report, XXXX, with Capital One, has already been paid to the current creditor, XXXX XXXX. The original creditor was Capital One, but it was transferred to XXXX XXXX, and I paid the balance on XXXX. The account is still listed as past due. This needs to be corrected and removed from my credit report. Thank you very much

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm writing to request immediate action regarding the persistent inaccuracies on my credit report. These errors are negatively impacting my credit score and hindering my financial opportunities.

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: Messerli & Kramer P.A.
State: NE

Complaint narrative:
XXXX XXXX XXXX has been attempting to collect a debt from more than five years ago. The debt is from a credit card that got stolen along with other items in my wallet such as my social security card, other credit cards ( which were used and the other credit card companies disputed the charges ), and other items. I had been making payments on this debt but the written communications stopped happening until Messerli & Kramer, attorneys, sent me a debt collection attempt.

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: IL

Complaint narrative:
You are over 90 days past the legal time frame to fix the issue.

See attached Affidavit and Proof. Official documents with signed & notarized Affidavit has been sent via certified mail with tracking as of XX/XX/2025.

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 — 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 :

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$18000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$15000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$15000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$8800.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$2100.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$1400.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$140.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX SSN : XXXX DOB : XX/XX/year> To whom it may concern : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on! 
Personal Information NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you have any listings with differently spelled names, please delete them immediately so the information you have on file for me is accurate. 
CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX My only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX TN XXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately so you can make sure the database has accurate information about me. 
Sincerely As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX SSN : XXXX DOB : XX/XX/year> To whom it may concern : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on! 
Personal Information NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you have any listings with differently spelled names, please delete them immediately so the information you have on file for me is accurate. 
CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX My only address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately so you can make sure the database has accurate information about me. 
Sincerely As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing to request immediate action regarding the persistent inaccuracies on my credit report. These errors are negatively impacting my credit score and hindering my financial opportunities.

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: NC

Complaint narrative:
I am filling 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 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: 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: GA

Complaint narrative:
In 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. 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. XXXX XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due 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 non-monetary relief