vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Experian, TransUnion, Equifax or Creditor you replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late.

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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due dat
e please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the 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 2025-03-26 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: IN

Complaint narrative:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Experian, TransUnion, Equifax or Creditor you replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late.

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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due dat
e please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XX/XX//2025 XXXX XXXX XXXX/XXXX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased airline tickets in the amount of {$490.00} from the merchant XXXX XXXX XXXX using my SoFi debit card that is linked to my SoFi checking account. While this payment was processing, SoFi sent me a text to confirm that the transaction was legitimate and I promptly confirmed its legitimacy. The transaction went through, and my account showed a pending charge of {$490.00}. By XX/XX/XXXX, the singular pending charge had split into two pending charges of {$240.00} each with the merchant name XXXX XXXX XXXX. This was acceptable to me as the sum of both charges still totaled the authorized amount from XX/XX/XXXX with the same merchant name. By XXXX XX/XX/XXXX, the checking account correctly had an available balance of {$13.00} due to recent transactions. No transactions were legitimately authorized by me, the account holder, on XX/XX/XXXX. However, SoFi allowed an additional fraudulent transaction of {$240.00} on XX/XX/XXXX that absolved my available balance of {$13.00} and sent my checking account into the negative by - {$230.00}. When reaching out to SoFi regarding why my account was allowed to be charged for a transaction much greater than my available balance, in addition to it being a fraudulent charge, the representative gave many reasons such as SoFis Round Up program ( that allows for the remaining cents of a transaction that is rounded up to the nearest dollar to be deposited into the savings account ) as the reason regarding the allowance of the accounts sever overdraft. Another reason provided is that the amounts within my savings was used to allow the fraudulent charge because my savings had an available balance to cover this transaction. However, the use of savings funds to be used to cover transactions from the checking account is only used by SoFis Overdraft Protection program. I have never had this program enabled within my account. When stating this to the representative, they instead quickly rushed to transfer me and advised the only way I could resolve this issue was to file a dispute against the fraudulent charge. This is something I intended to anyway, however I wanted SoFi to explain how they allowed this to happen as I did not have the available funds for this fraudulent transaction so it shouldve never been allowed to go through. After filing a dispute against the fraudulent charge, I have still received no written confirmation ( via email or mail ) that the dispute is being investigated, or was even started. SoFi has handled this poorly and the lack of responsibility is incredibly concerning. The entire 50 minute call of their nonsense was recorded as proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Experians Response to my Dispute : The bankruptcy was not removed, and Experian stated the reporting source confirmed its accuracy.

However, under the FCRA Laws, credit bureaus must conduct an independent investigation rather than solely relying on the reporting entity. 607. Compliance Procedures ( 15 U.S.C. 1681e ) Credit bureaus must ensure the accuracy and fairness of credit reporting.

This bankruptcy is reported inconsistently this is a compliance failure.

623. Responsibilities of Furnishers of Information ( 15 U.S.C. 1681s-2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: AR

Complaint narrative:
I am requesting the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 611 ( a ) ( 7 ), I have the right to submit a dispute statement, which must be included in my file if the inaccuracies remain uncorrected. I am prepared to exercise this right if needed.

Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from reporting inaccurate information they know or should know is wrong. It is clear that this standard has not been upheld in my case. Additionally, Section 623 ( a ) ( 4 ) requires furnishers to notify the credit agency of any dispute initiated by me. I expect this to be done immediately.

Finally, Section 611 ( a ) ( 6 ) mandates a written notice detailing the results of the investigation. I expect to receive this within the 30-day legal timeframe, outlining the actions taken or reasons for refusal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am writing to formally express my extreme dissatisfaction with the continued non-payment of the outstanding balance of {$170.00}, which was due on XX/XX/XXXX. Despite several attempts to resolve this matter amicably, this debt remains unpaid and your lack of response is now unacceptable. 

As of today, XXXX days have passed since the payment was due, and you have failed to fulfill your financial obligation. This is a clear breach of the agreed-upon terms outlined in our contract and an outright disregard for the service/product provided. I am no longer willing to accept any further delays. 

This is your final warning. If I do not receive the full payment of {$170.00} by XX/XX/XXXX I will take immediate legal action to recover the debt, including but not limited to pursuing court proceedings, notifying relevant credit agencies, and seeking additional damages for any costs incurred due to your failure to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I am sending to notify you that I have become a victim of identity theft. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the removal of any items listed in my identity theft report. 

XXXX XXXXXXXX XXXX XXXX BALANCED {$2.00} XXXX XXXX XXXX XXXX BALANCED {$2.00} XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$6.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$1000.00} XXXX Original Creditor XXXX XXXX XXXX XXXX BALANCED {$2600.00} XXXX XXXXXXXX Original Creditor XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$100.00} XXXX XXXX XXXX Original Creditor XXXX XXXX BALANCED {$2.00} XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX BALANCED {$7200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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 am sending to notify you that I have become a victim of identity theft. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the removal of any items listed in my identity theft report. 

XXXX XXXXXXXX XXXX XXXX BALANCED {$2.00} XXXX XXXX XXXX XXXX BALANCED {$2.00} XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$6.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$1000.00} XXXX Original Creditor XXXX XXXX XXXX XXXX BALANCED {$2600.00} XXXX XXXXXXXX Original Creditor XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$100.00} XXXX XXXX XXXX Original Creditor XXXX XXXX BALANCED {$2.00} XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX BALANCED {$7200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I was at work and XXXX payments came out of my account at XXXX am XXXX for XXXX and another one for XXXX XXXX  I tried to dispute it but they denied my first dispute so the next day I made a second claim I been in contact with them so many times and all I want is my money back from the company that allowed this to happen to my paycheck because now going on XXXX days later I have no gas or food or housing because they refuse to put the money back in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XX/XX/scrub> 2025, I came across an individual named XXXX through his XXXX account, where he claimed to help people make money. I reached out to him via the XXXX contact listed on his profile. He convinced me to make three separate payments totaling {$460.00}, promising mentorship and income-generating strategies. 

After sending the third payment via XXXX through my Bank of America account, XXXX claimed he never received it. However, my bank confirmed that the transaction was completed successfully. After that, he began ignoring my messages and never provided any services at all. Weeks later, he contacted me again asking for the same payment, which confirmed this was a scam. 

I filed two claims with Bank of America, asking them to investigate the transaction and help recover the funds. Both were denied, despite the clear signs of fraud and no service being delivered. 

I am requesting CFPBs help to escalate this issue and urge Bank of America to take action in recovering my funds and preventing this individual from scamming others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: NJ

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I am filing this complaint against Santander Consumer USA and XXXX XXXX is XXXX, XXXX  regarding an auto loan I currently hold with them, which I believe to be predatory and financially harmful. 

In XX/XX/XXXX, I took out a loan through Santander for a XXXX XXXX XXXX. The total loan amount was {$22000.00} with an APR of XXXX %, resulting in monthly payments of {$600.00}. The current market value of the vehicle is approximately {$8100.00}, which is nearly one-third the loan amount. After more than a year of making payments, my current balance is still {$22000.00}, and only {$310.00} has gone toward the principal. XXXX XXXX and Santander never gave me a copy of my requested contracts. 

This loan structure has left me trapped in a cycle of interest, with minimal reduction to the loan balance and no feasible path to pay it off without severe financial distress. The interest rate is extremely high and the loan appears to be severely inflated for the value of the vehicle. 

I contacted Santander to request a hardship modification, refinancing, or interest rate reduction due to financial difficulty and the unfair terms of the loan. They refused to work with me in any way or provide any flexibility. I explained that the car is drastically over-financed, that Im struggling with the $ XXXX payments, and that I fear defaultbut they would not budge. 

I believe this loan may violate consumer protection laws and constitutes predatory lending, as it was structured to lock me into an unaffordable, long-term debt on a vehicle far below the loan value. I am requesting the CFPB to investigate this matter and assist me in reaching a resolution, whether through a loan modification, interest rate reduction, or cancelation and settlement of the debt under fair terms.

Company response to consumer: Closed with explanation