vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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 2025-03-04 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXXXXXX XXXX XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND 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 non-monetary relief
Consumer complaint received 2025-03-04 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXXXXXX XXXX XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND 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 2025-03-04 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 XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I contacted Bank of America and they stated that I had opened my account XX/XX/year>. They sent me a replacement card and opened up an account without my authorization. I never signed on with Bank of America to take on my bank card from XXXX. My interest rates have been rising drastically and it's been since XXXX of XXXX. I have requested them to give me an answer as to why they keep raising it when I'm never late. I also told them I never open an account with Bank of America during that time frame. So they completely opened up a whole different account without my authorization by sending me a replacement card.

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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I emailed Avant , LLC, requesting a copy of my XXXX XXXX XXXX for my credit card ( account ending in XXXX ), effective XX/XX/XXXX. I need this document to support my Motion to XXXX XXXX in a court case ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX against XXXX XXXX XXXX XXXX XXXX XXXX related to this account. As of today, XXXX has not responded to my request or provided the agreement. This lack of response is preventing me from accessing critical terms, including an arbitration clause I believe applies, which I need for my legal defense in a hearing scheduled between XX/XX/XXXX and XX/XX/XXXX. XXXX failure to provide this information is obstructing my ability to enforce my contractual rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: Avant Holding Company, Inc.
State: TN

Complaint narrative:
I would like to remove these inquires on my report I did not authorize them and want them removed immediately. U.S CODE 1681 and 1602.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
The errors on my report are making it harder for me to access opportunities and are unfairly damaging my scores. Its beyond frustrating to deal with setbacks caused by mistakes that are not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NE

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Credit Bureau. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, 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.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-03-04 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: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-04 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
MoHela servicing The calls take XXXX hours on hold. 

How do I get this money back. This should happen automatically like with other Lenders. A negative balance should be refunded when loan shows paid off!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TN

Complaint narrative:
Upon reviewing my credit report, I discovered that my personal information is incorrect, which has resulted in this unknown accounts and transactions being falsely associated with me. This is an alarming issue that has caused me significant distress, as I now have inaccurate, mixed and unauthorized items damaging my 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: IN

Complaint narrative:
I went to XXXX clothing store located, at XXXX XXXX XXXX XXXX, XXXX, IL XXXX to do some shopping with my daughter I ended up, dropping my card out of my wallet in the store of XXXX, I called my car company on XX/XX/year> to report my car, lost and stolen from inside of the store where I had dropped it somehow. The phone ended up going dead with the agent on the phone. I called back in to raise awareness of what was going on. I still need to get the things in the store that I had in my car. The agent on the phone told me to see if the XXXX XXXX card would work so I tried that XXXX times it declined it XXXX times until I added money to my cash app card. This one I looked at my account I saw money was spent with the Chime credit card account that is linked to my Chime app. Thats when I knew someone had the card and they were using it in a different location, so I told the agent, while I was on the phone with them, what had transpired, he asked me to see if I could lock it, but it was too late. They already spent money off of it. They denied my claim due to my dispute. I want to report them and I want to have these agents investigated on the the fact I called in and reported my card lost and stolen on XXXX thats, when they stated to me, I had to wait until the transaction get done pending. so I complain on if I have to wait I would like for you guys to document what you just told me that I had to wait to the transaction to be complete, so I can make my dispute, so the agent provided me with a reference number, so I jetted it down. The first one was # XXXX and this took place on XXXX, which was Wednesday. And the Thursday was the second one. Which was XXXX I also made a police report with XXXX Illinois located. XXXX XXXX XXXX, XXXX, IL XXXX I also provided a receipt, showing decline transactions. the time was on there to show I was still at the XXXX XXXX, while the individual whoever had the card went to XXXX IL at a ( XXXX liquor ) store located in XXXX IL, Illinois, Im asking for your company to please do a full investigation on my situation. My credit card company should be able to have my back when it comes to disputes and any errors that occurs, when it comes to my account. My card company has let me down on several occasions, when it came down to certain issues, with transactions and disputes, I am asking for Chime to give me my money back, when it comes to a dispute I filed on a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
I am disputing the Caine & Weiner account reported on my XXXX, XXXX and XXXX credit file because it is unauthorized and inaccurately listed. This account does not belong to me, and its reporting violates the Fair Credit Reporting Act ( FCRA ). 

I first noticed the account on XX/XX/2024 and immediately reviewed my records to confirm that I do not owe this debt. I did not authorize this account, nor have I had any dealings with Caine & Weiner. Since this debt is not mine, its presence on my credit report is incorrect and unfairly damaging my credit. 

XXXX, XXXX and XXXX is required under the FCRA ( 15 U.S.C. 1681i ) to ensure that only accurate and verifiable information appears on my credit report. I am requesting that this account be removed immediately. 

I expect a response within the legally required timeframe and will escalate this matter if it is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
We have purchased the vehicle on XX/XX/XXXX and asked them to cancel the Dealer warranty which costs XXXX XXXX They agreed and said it will be cancelled in 3-4 weeks from Nissan Finance . It's been 5 months still they haven't removed it and also no response from the dealer and Nissan Finance whenever I tried to reach them. 

Car was Nissan Sentra XXXX bought from XXXX, Texas. ( Courtesy Nissan Dealer )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 2025-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: SC

Complaint narrative:
Regional Finance Corp. has continued to call me despite acknowledging my request to stop all phone communication. I previously informed Regional Finance that I did not wish to receive phone calls from them. They acknowledged my request in their response to a prior complaint. Despite confirming they received my request ; they have continued to call me. I received a call on XX/XX/year> and another on XX/XX/year>. Their actions contradict their acknowledgment of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fairway Independent Mortgage Corporation
State: VA

Complaint narrative:
I reached out to the company several times regarding the adjustment on the monthly mortgage after I changed insurance companies. The mortgage company calculated the mortgage when the homeowner 's insurance was also most {$1400.00} for the year. Two weeks later I changed insurance companies and sent all documents to the mortgage company. The new homeowner 's insurance policy was {$990.00}. I notified the mortgage several times, but they never adjusted the monthly mortgage.

Company response to consumer: Closed with explanation