vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Round XXXX CFPB Primer cuadrante Subject : Request for Credit Information Correction - Compliance with XXXX XXXX Code XXXX and Other FCRA Provisions I am writing to you as the holder of account number [ Account Number ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of XXXX XXXX Code XXXX and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 
According to XXXX XXXX XXXX XXXX, creditors must send periodic statements, including all information required by section XXXX ( b ), at least XXXX  days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 
Additionally, the FCRA, specifically sections XXXX XXXX Code XXXX and XXXX XXXX Code XXXX, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 
Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : TRANSUNION XX/XX/year> XXXX * * * Transunion I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important 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 2025-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

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 2025-05-01 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX, I was hacked out of {$400.00} in my Cash App account. It was at night time so I was not able to contact support until the next morning. Ive had the case opened and closed twice in the span of almost XXXX weeks ( XXXX business days each ) due to their belief that it was under my authorization. It wasnt, in fact, the person that was hacking my account was changing my information that night. They deleted my email and before they could delete anything else, I changed my email to a different one and made a new pin. I asked for the evidence that gave proof and the document is just a copy of the transaction I reported. I also asked for some credits to pay my bills since Im now behind on rent and they told me that I would have to qualify for it. Whats more qualified than being hacked? To make matters worse, they never helped me to get to the bottom of the hacker. Im still not aware of how much of my information they have and this makes me feel like Im on my own. Now, I suggest people to just avoid Cash App altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Santander Bank regarding the mishandling of a fraudulent transaction on my account, the inappropriate application of overdraft fees, and the unacceptable treatment I received from your customer service representatives. 

On XXXX XXXX, I discovered an unauthorized charge of {$95.00} from XXXX posted to my account. I immediately contacted Santander Bank to report the fraudulent activity. I was informed that the investigation would take up to XXXX business days, during which my account remained overdrawn and at risk of accumulating additional fees. 

When I asked about protection from further overdraft fees related to this fraud, the first representative I spoke with informed me that I would be responsible for any additional negative balance or overdraft charges that occurred while waiting for the investigation. Despite my emotional distresscrying on the phone and explaining that this situation was through no fault of my ownthe representative was dismissive, showed no empathy, and responded with an attitude that essentially communicated, " oh well, not my problem. '' This is unacceptable customer service and directly contradicts the protections afforded to consumers under Regulation XXXX of the Electronic Fund Transfer Act. 

It was only after escalating the issue to the supervisor at santander bank ( XXXX would not provide last name ) and explicitly citing my legal rights that a supervisor intervened and requested a provisional credit for the fraudulent charge. I should not have had to invoke federal regulations and threaten escalation to receive the basic protections I am entitled to under the law. 

I am requesting : A full review of this incident, including the handling by the initial representative. 

The immediate reversal of any overdraft or negative balance fees applied as a result of the fraudulent transaction. 

Written assurances that corrective action will be taken to ensure other customers do not face similar mistreatment or misinformation. 

This situation caused me significant emotional distress, financial harm, and hardship. I expect a prompt response and resolution. 

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
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: DriveTime
State: CO

Complaint narrative:
I am writing to file a formal complaint regarding deceptive and unethical lending practices I experienced at DriveTime in XXXX, Colorado. I believe I was taken advantage of during a vulnerable time, and I am seeking to have my auto loan voided or restructured due to predatory terms that I did not fully understand or agree to. 

In XX/XX/XXXX, I visited DriveTime in search of a reliable vehicle to take a personal trip back home to XXXX. I was in a stable financial state at the time and expressed that I needed a basic, dependable car. I was sold a XXXX XXXX XXXX, but was not made fully aware of the loan structure, the true cost of the car, or the long-term consequences of what I was signing. 

After reviewing the loan documents and seeking outside advice, I was shocked by what I discovered : Vehicle Price : {$21000.00} for a XXXX year-old used car XXXX ( Interest Rate ) : 20.90 %, which is extremely high and borderline predatory Total Amount Financed : {$24000.00} Total Finance Charges : {$18000.00} Total of Payments Over Life of Loan : {$42000.00} Monthly Payment : {$610.00} for 69 months Add-on Charges : {$1800.00} for a XXXX warranty {$690.00} for a XXXX system In total, I am being charged over {$42000.00} for a vehicle that is worth far less than {$10000.00} on the market. I am completely upside down on this loan, and I believe the financing structure is exploitative, especially for someone like me who did not have prior experience with auto lending. 

I was not given a clear opportunity to decline these add-ons, nor was I advised that I could qualify for better financing options. I was rushed through paperwork without proper explanation, and now I am left with a loan that has severely damaged my financial stability. 

I am formally requesting : A review and investigation into DriveTimes lending practices That my loan be voided or restructured due to deceptive and unfair terms Relief from continued financial harm under this predatory agreement I am prepared to provide a full copy of my loan agreement and any other documentation as needed. I am simply asking for fairness, and a chance to recover from a decision I was not equipped to fully understand at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
* To whom it may concern, * My name is * XXXX XXXX, and I reside at * * XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX *. 

I am filing a * formal complaint against Experian * for failing to resolve an ongoing credit report dispute and for providing * inaccurate and misleading credit information *, despite being provided with written verification from the creditor that supports my dispute. 

Specifically, I previously disputed Experians * false deletion of my XXXX XXXX account, which led to a * * XXXX drop in my credit score, even though Experians own system labeled the related changes as positive. I have now received a formal letter from * * Servicing Solutions * confirming the account is * active and in good standing *. Experian continues to claim they can not process my dispute due to insufficient information, which is both inaccurate and obstructive. 

Additionally, I have requested the * removal of outdated addresses and incorrect name variations * that may be linked to prior identity theft attempts. These items are still on my report. 

This is a clear violation of the * Fair Credit Reporting Act ( FCRA ) *, particularly : - * XXXX * Failure to reinvestigate and correct inaccurate or unverifiable information - * XXXX * Potential unauthorized access or reporting of my credit data I respectfully request that the CFPB investigate Experians actions and compel them to : XXXX. * Reinstate and properly report the Servicing Solutions account * XXXX. * Restore the points lost due to Experians inaccurate reporting * XXXX. * Remove outdated and incorrect personal data * XXXX. * Provide a written explanation * of the scoring inconsistency Thank you for your time and assistance.

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 2025-05-01 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, Subject : Second Dispute of Charge-Off Account Request for Reinvestigation under FCRA XXXX, XXXX ( b ), and XXXX ( b ) Account Name : AMEX Account Number : XXXX To Whom It May Concern, This letter is a formal second dispute concerning the charge-off account listed above. I previously submitted a dispute requesting its deletion, as the information reported was inaccurate and unverifiable. However, your response failed to provide sufficient evidence to validate the legitimacy of this account. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly : XXXX requiring a reasonable reinvestigation within XXXX days, XXXX ( b ) requiring the furnisher to properly investigate disputed data, and XXXX ( b ) requiring credit reporting agencies to maintain maximum accuracy, I hereby request a reinvestigation of this charge-off entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I Need to remove below hard inquiries from my credit report as they were not used to secure a loan or establish a loan .. and have no written authorization from me. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> need these XXXX hard inquiries removed as soon as possible please.

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 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Need to remove below hard inquiries from my credit report as they were not used to secure a loan or establish a loan .. and have no written authorization from me. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> need these XXXX hard inquiries removed as soon as possible please.

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 2025-05-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX and XXXX. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' XXXX XXXX. XXXX If you dispute an account, the credit reporting agency must investigate within XXXX  days and correct or delete inaccurate info. 
XXXX XXXX. XXXX ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-05-01 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: 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. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX 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 ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 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 2025-05-01 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: CT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
There was a lot in reference to this hopefully I get it all on the first time. This was a predatory loan if you look at the papers you will see the interest rate. When they repossessed the car it was done on XXXX and it took awhile to settle down the family that they almost ran over after going on property that lists no trespassing and no solicitation. They can't even utilize the XXXX as no lighting was on for the event. After getting the vehicle I received incorrect info in reference to obtaining the vehicle back after continuous follow ups I'm then told that I would have to show up at auction but was given the wrong date in reference to that. I never received any after the sale paperwork to what it was sold for to verify they just sent something stating I still owe almost XXXX. Which the balance should have changed not only for the sell of the vehicle but also the interest they were charging since it did not go to the extent of the loan since they were charging all of this basically upfront. How was this not adjusted if it went for a shorter time frame. I'm sure their are other things I do not have in here at this time. My apologies for that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I am reaching out regarding the account listed on my credit report, I have previously disputed this account with XXXX, yet it continues to be reported verified. To ensure accuracy, I have requested verifiable proof, such as an original consumer contract bearing my signature, but I have not received such documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
Both XXXX XXXX and LVNV were made aware XXXX times via certified mail that I had received calls from them in regards to an account that was fraudulently obtained. When I asked them to provide me information about the original creditor, accounts details and default details they could not provide this information Also XXXX XXXX has been paid in full and agreed to remove this account as well, I am asking that this account be removed from my profile in full immediately. They told me it would be removed XXXX week after payment and it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CL Holdings LLC
State: MN

Complaint narrative:
Both Jefferson Capital and XXXX were made aware XXXX times via certified mail that I had received calls from them in regards to an account that was fraudulently obtained. When I asked them to provide me information about the original creditor, accounts details and default details they could not provide this information Also consumer portfolio has been paid in full and agreed to remove this account as well, I am asking that this account be removed from my profile in full immediately. They told me it would be removed one week after payment and it has not been removed.

Company response to consumer: Closed with explanation