vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
XXXXXXXX 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 XXXXXXXX XX/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 explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loancare LLC is a mortgage company that holds my insurance claim check and giving me a hard time to release the funds back to me after completing the repairs on my house.

I submitted all the repairs invoices along with lien wavier from the contractor that shows that all the repairs were paid in full, passed several inspections. Loancare LLc is holding my final check of {$66000.00} as hostage finding new excuse everyday to delay releasing the funds back to me, I've requested several times to release the funds to me and got nowhere with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
The problem is that they wont respond to me and every time I send them something asking them to check for inaccuracies they say I am someone else even though I send all of my personal documents. According to the FDPCA and FCRA everything has to be validated and reported 100 % accurately but this isnt the case.

So I have attached a letter that I want them to validate and verify and to make sure that it is reporting 100 % accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A careful review of my credit record revealed concerning late payment entries that remain unresolved despite my previous attempts to address them. More than 30 days have passed since I sent letters requesting validation of these entries, yet I have received no response or satisfactory explanation. This lack of communication and proper validation raises serious questions about the accuracy of these reported late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian I tried to delete the names on my credit report but ran in to a snag your online stated they could not verify me these names with these numbers need to be removed and any accounts associated with then from my credit report XXXX, XXXX, XXXX, XXXX, XXXX, XXXX there should only be one name on file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, I previously disputed a charge for {$2700.00} with Bank Of America made on to because the service was not provided as agreed by XXXX XXXXXXXX XXXX  I was recently notified that the dispute was resolved in favor of the merchant, but I strongly disagree with this outcome. The merchant failed to deliver what was promised, and I have supporting documentation proving this. I would like to reopen the dispute and escalate this case for further review. 

Claim number # XXXX XXXX XXXX The merchant has not responded to my requests for a refund a thats correct after they reversed it. 
I was misled and scammed, and I can provide evidence that the service was not as described. 


XXXX already took days to send in or communicate with what I asked and then a death happened apparently. 
She threw something together which looked terrible as a test site and I asked for a refund not wanting to proceed with her building the actually site and she took my money.

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 monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX  XXXX MO XXXX ACCOUNT # XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It is my understanding that per 15 USC 1681 ( A ) ( 2 ) ( A ) ( I ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( YOU ) making report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing the reasonable procedures ( according XXXX15 USC 1666 ( B ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payments due date. Include also, all the information required by section 1637 ( b ) of title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account and i would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( EQUIFAX, TRANSUNION, OR all that apply ) and updated the accounts to positive.

Please forward any changes to my account to the address below. thank you for you time and consideration in this matter. I look forward to hearing back something positive. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
On XX/XX/XXXX, my account was frozen. I was not notified as why then later that day I got an email saying my account was permanently banned because I did something against the user agreement they could not tell me what was the user agreement now that my account is banned, I was trying to get my {$2800.00} out but they said theyre holding it for 180 days and Im a single mom thats all the money I have. I dont have a job right now I dont know how to feed my kids and they said theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
I am formally disputing the following negative items on my TransUnion credit report, which I believe are likely the result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to conduct a thorough investigation into these inaccuracies. If any inaccuracy is identified, TransUnion must remove or block these items from my credit report to ensure the information reported is 100 % accurate. 

I am not simply requesting a generic notice that an investigation has been completed. I demand a detailed explanation of every step taken in this investigation, including how each disputed item was verified, what sources were contacted, and what documentation was reviewed. Transparency is non-negotiable. 

Failure to comply with FCRA regulations could result in further action. I expect prompt and complete resolution of 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 2025-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
I recently just submitted a complaint against this company regarding the alleged debt owed on a repossession. They said in their response to my complaint that I have a loan for {$15000.00} and I only made XXXX of XXXX payments of {$470.00}. 
Those XXXX payments equal over {$20000.00}, totaling more than my debt owed in the original contract. I have requested proof of payments from this company and they have closed my case with the CFPB without providing any proof other than a written statement. 
I have paid over {$5000.00} extra on this loan and they are still demanding and claiming I owe an additional {$2000.00}. This is not correct. 
They are incorrectly reporting this on my credit along with incorrect payment amounts and dates. I have disputed and have provided proof of the inaccuracies and no one is fixing this. 
If I was charged over {$5000.00} in fees, I need to be shown where in the contract I agreed to this. I sent over {$20000.00} to this company and my loan was only for {$15000.00}. They said it themselves I have paid over {$20000.00} in their written statement but provided no proof of payments, no proof of the contract and no proof showing the fees I was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against LexisNexis for reporting inaccurate eviction records under my name to the credit bureaus. These evictions do not belong to me and are causing significant harm to my credit profile. Under federal law, LexisNexis is required to report only accurate and verifiable information, and failure to correct these inaccuracies is a violation of my consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), LexisNexis, as a consumer reporting agency, is legally obligated to ensure the accuracy of the information it provides. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute inaccurate information, and LexisNexis must investigate and remove unverifiable records. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) requires furnishers of information to ensure they are reporting only accurate and substantiated data.

FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) impose legal consequences for willful and negligent noncompliance with the law, including damages for harm caused by XXXX failure to correct these errors. 

I have already disputed this matter with the credit bureaus and LexisNexis directly. However, these wrongful eviction records remain on my credit file. I am requesting that the CFPB take action to ensure LexisNexis removes these inaccurate evictions immediately. If LexisNexis fails to comply, I will explore legal options, including seeking damages for the financial and emotional distress caused by these reporting errors. 

I request written confirmation from LexisNexis and the credit bureaus ( XXXX, XXXX, and XXXX ) once these inaccuracies are removed. I have attached supporting documents, including my identification and any relevant correspondence, to assist in resolving this matter. 

Please let me know if further information is required. Thank you for your attention to this serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I am a victim of human trafficking I submitted documentation to have items removed and permanently blocked from credit items were removed but not blocked and have returned to my credit report when I tried to dispute and resubmit original documentation they didnt not remove or block the items and since more items have returned. This problem is on going about every 3- 6 months the same accounts they agreed to block continue returning and effecting my ability to move on and have a positive gainful and stable life. This is my second complaint, the 1st complaint was resolved however the problem persist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: CA

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 2025-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CL Holdings LLC
State: CA

Complaint narrative:
Dear CFPB XXXX, This complaint was listed under credit acceptance and its not that company this is XXXX XXXX company Im writing about. The debt was sold to Jefferson Capital systems LLC I am writing to formally request the removal of a personal loan {$4200.00} from XXXX XXXX XXXX XXXX, which has been sold to Jefferson Capital, from all three of my credit reports ( XXXX, XXXX, and XXXX ). The loan in question has the XXXX XXXX XXXX : XXXX and was recorded on my credit report on XX/XX/XXXX. 

I would like to provide some context regarding my situation. Following a XXXX, I have been striving to recover both physically and mentally. During this vulnerable time, I was under the care of a caregiver who exploited my mental, emotional, and financial state. The co-signer on the loan, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ), SSN : XXXX took advantage of my condition, leading me to make decisions that I would not have otherwise considered. 

I attempted to protect myself by filing for a restraining order due to threatening communications I received from XXXX XXXX 's girlfriend. These threats suggested intentions to maliciously control my finances and living situation. I relocated from XXXX, MD, to XXXX California in hopes of finding stability and pursuing a XXXX XXXX, but the stress caused by XXXX XXXX 's actions ultimately led to a left XXXX  XXXX. 

Furthermore, XXXX XXXX has been incarcerated for over a year due to robbery charges, which has left me unable to pursue legal action against him for the financial harm he has caused. Despite presenting my temporary restraining order to creditors, they have been unyielding and have failed to recognize my status as a person with XXXX under the XXXX. This situation has significantly impacted my ability to recover and has hindered my potential business opportunities as I transition out of rehabilitation and reduce my reliance on antidepressants. 

Given these circumstances, I respectfully request that the CFPB investigate this matter and assist in the removal of the XXXX XXXX XXXX XXXX personal loan from my credit reports. This entry not only misrepresents my financial history but also exacerbates my current challenges. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
*ORIGINAL COMPLAINT* XX/XX/XXXX Between XX/XX/XXXX I was issued {$37000.00} to a XXXX XXXX  Debit Card by the California EDD for unemployment benefits. After a few days I was told by the XXXX XXXX company that my account had been cancelled due to suspicion of Fraud. The remaining balance on the XXXX XXXX account was {$33000.00}. On XX/XX/XXXX I was issued a check for the balance of {$33000.00} from XXXX XXXX. When I finally received the check no financial institution, check cashing place or even my personal bank would cash or deposit this check due to suspicion of fraud. It's been 6 months and every time I contact XXXX XXXX they still won't tell me what happened to my money or how we can resolve the issue. The last time I called customer service they told me it was nothing they could do. So I'm now lost out of {$33000.00} and all I have is a bad check that was issued to me by XXXX XXXX  I hope this gets their attention so they can help me because for months they have done nothing. 




*UPDATED COMPLAINT* XX/XX/XXXX After everything that i've been through the last 7 months with these XXXX XXXX checks . On XX/XX/XXXX I was issued 7 MORE checks and once again THESE XXXX XXXX CHECKS CANT BE CASHED OR DEPOSITED at MY PERSONAL BANK, ANY OTHER BANK OR CHECK CASHING ESTABLISHMENT that i've contacted or visited in person. I thought my last complaint would get me the help I needed but now i'm back at XXXX XXXX. This is really an inconvenience and to be truthful it's a very dangerous and scary situation. I have money just floating around that I can't touch because of some messed up checks that I keep getting sent to me. THERE HAS TO BE ANOTHER WAY FOR ME TO GET MY MONEY. This is really getting out of hand now. It shouldn't be this complicated. I have uploaded the new checks that were sent to me and I hope this complaint will get XXXX XXXX ( Fiserv ) to solve my problem.

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