vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
The dealership never called me to make me aware that my care was no longer in there care an XXXXXXXX XXXX XXXXXXXX understood that. Its like leaving a child in your care an not giving a cursory phone call to the parent that something is wrong or this an that happened. 

From XXXX XXXX XXXX XXXX from XXXX XXXX  was trying to contact me about my car. As I was getting the deductible ready to pay them. She never stated on the voicemail that my truck would asses fees if not picked up right away. 

On XX/XX/XXXX the XXXX company came and got my fees they charge them the deductible of XXXX which is fine but then they charged them XXXX for storage fees which I know for a fact even when I talked to the XXXX XXXX I wouldnt have been charged myself so why would they charged them that especially when they have no signs outside of the body shop, nor inside by the booth or by the coffee shop waiting room. 
Which I have pictures of. 


On XX/XX/XXXX I talked to XXXX again an even though her words she understood an I was right she wasnt the one who could reverse the only XXXX XXXX could. 

I have left XXXX several voicemails even messaged with the receptionist an sent emails I havent gotten one call back or a reply to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
This has impacted my credit for a very long time, I have sent them documents of proof that something didn't belong to me but their still has been no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: IN

Complaint narrative:
XXXX XXXX has charged off my account and subsequently sold the debt to a third-party debt collector for less than the full balance owed. According to credit reporting laws, once a debt is sold to a third-party collector, XXXX XXXX no longer has a right to report this account as an active collection under their name. However, they continue to report the charge-off on my credit report while also allowing a third-party collector to report the same debt, creating duplicate negative reporting.

Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information must ensure the accuracy of the information they report. Since XXXX XXXX has sold the debt and no longer owns it, they are not permitted to continue reporting it as an active collection on my credit file. This inaccurate reporting is damaging my creditworthiness and violates my rights under federal law. 

I request the following actions : An immediate investigation into XXXX XXXX reporting practices regarding this account. 

The removal of XXXX XXXX  charge-off from my credit report since they no longer own the debt. 

Assurance that no duplicate reporting exists between XXXX XXXX and the third-party debt collector.

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 2025-03-05 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: IN

Complaint narrative:
XXXX XXXX has charged off my account and subsequently sold the debt to a third-party debt collector for less than the full balance owed. According to credit reporting laws, once a debt is sold to a third-party collector, XXXX XXXX no longer has a right to report this account as an active collection under their name. However, they continue to report the charge-off on my credit report while also allowing a third-party collector to report the same debt, creating duplicate negative reporting.

Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information must ensure the accuracy of the information they report. Since XXXX XXXX has sold the debt and no longer owns it, they are not permitted to continue reporting it as an active collection on my credit file. This inaccurate reporting is damaging my creditworthiness and violates my rights under federal law. 

I request the following actions : An immediate investigation into XXXX XXXX reporting practices regarding this account. 

The removal of XXXX XXXX  charge-off from my credit report since they no longer own the debt. 

Assurance that no duplicate reporting exists between XXXX XXXX and the third-party debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: Mercari, Inc.
State: TX

Complaint narrative:
I purchased what I thought was an authentic XXXX XXXX handbag from Mercari on XX/XX/year>. The listing indicated the item had been authenticated by a third-party. Upon receiving the item I inspected it to ensure it matched the listing. It did so I accepted the order and funds were released to the seller. Only then is the authenticity certificate sent to me, the buyer. The certificate is of a wallet, not a bag at all. The bag has since been deemed a counterfeit product. The seller must have swapped photos but retained the authenticity marking on the listing. Now Mercari is not standing by this authenticity declaration and stating a return/refund is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CA

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

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 2025-03-05 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: CA

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

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 2025-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX ) XXXX Subject : Urgent Dispute Fraudulent Inquiries Wrongful Eviction Record & Collection Dear XXXX XXXX XXXX, I am writing to dispute multiple unauthorized credit inquiries that have appeared on my report, which are wrongfully preventing me from securing housing and damaging my creditworthiness and is being used unfairly to deny me financial opportunities. The disputed inquirie : XXXX. XXXX XXXX XXXX ( on record until XX/XX/year> ) I have never applied for housing at this location, nor have I authorized this inquire. As per the Fair Credit Reporting Act ( FCRA ), a company must have explicit written consent to conduct a credit inquiry. If you can not provide proof of my authorization, these inquiries must be removed immediately. This Is Urgent I was recently denied housing due to this false inquirie, causing me financial and personal hardship. I request that you prioritize this dispute and provide a resolution within 15 days, instead of the usual 30 days, given the seriousness of this situation. I Request the Following Actions : 1. Immediate removal of these unauthorized inquiries. 2. A written response confirming their deletion. 3. If you believe these inquiries were authorized, provide copies of my written consent. 4. Cease and desist all reporting of this eviction record to tenant screening agencies, credit bureaus, and potential landlords. Failure to act on this request will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. I am also prepared to take legal action to enforce my rights under the FCRA. Please confirm receipt of this letter and provide an immediate update on my case. I expect this matter to be handled urgently. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: IN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
I contacted the CFPB previously and the mortgage company in question admitted I was double charged for my appraisal fee at closing, but I should ask for the refund back from the appraiser. I do feel this is inappropriate at this point considering the appraiser has been unresponsive and it is no way of confirming the payment was actually given to the appraiser. Guaranteed Rate collected/deducted the payment at closing, and I am asking for this refund back. The loan modification for the tax credit check the previous owners was supposed to supply at closing was also never supplied and modified off the amount of the total of the home or supplied to me in the form of a check or credit in any sort. After my first complaint I made to this organization it was discovered one of the sellers XXXX XXXX is related to the realtor XXXX XXXX as mother and son and this is inappropriate and was not disclosed at any time. In fact this is against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The contract and settlement listed an address for XXXX XXXX that was a XXXX  XXXX XXXX XXXX I was not aware of til after this incident of me trying to serve them etc, finally the investigator/processor realized XXXX XXXX and XXXX XXXX were mother and son. The whole contract reeks a scam and Guaranteed Rate who re branded as Rate has still not refunded me any of my monies and attempted to stick me with extremely high interests on a home that the county has put in violation, and the other seller left city bills that also puts the occupancy permit in jeopardy. I have been forced to file suit on everyone involved and this is my second time asking the CFPB to help bring some relief to the consumer fraud and deception that has occurred. I will not let this go, respectfully. Also the first complaint has receipts and more contracts etc I am attaching mostly new documents. I am very upset about this. I will attempt to file the old papers I filed with the first application, and I will attempt to re open every complaint that was closed with this new evidence. Everyone need to be held accountable for their roles and parts. I am a XXXX veteran and they are attempting to bankrupt me and make me homeless, with a XXXX  child.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I attempted to transfer {$600.00} to a relative in XXXX, but Sendwave abruptly canceled the transaction. Since then, I have contacted Sendwave at least six times to request a refund, yet they have failed to return any of my money. Initially, I used {$130.00}, leaving a remaining balance of {$460.00}. Despite my persistent efforts, I have only received a partial refund of {$150.00}, leaving an outstanding balance of {$310.00}.

It has been over a month of frustrating back-and-forth communication. Each time I call, I endure long wait times, often exceeding an hour, only to be met with empty promises of a resolution. Sendwave 's lack of action is unacceptable and feels fraudulent. It is deeply concerning that they withheld my funds instead of promptly processing my rightful refund. I urge you to take this matter seriously and rectify this situation immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-05 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: PA

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 2. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 3. Account name : XXXX XXXX  Account opened : XX/XX/XXXX XXXX owed : {$4500.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2100.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2300.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$4700.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$7000.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$3600.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2200.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$5800.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$5800.00}

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint against Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. Experian has also failed to conduct a proper review, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation.

Furthermore, Equifaxs actions may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as referenced in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. 
I request that the CFPB take action to ensure Equifax and Experian comply with federal law and provide consumers with proper investigation proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Hello, Chase Bank has a nation wide banking error & is reporting business accounts to personal credit report in error. Chase does not report business credit card accounts to personal credit unless it's delinquent. I talked to Chase & they apologize for this error & said they would put in a request with the XXXX major credit bureaus, XXXX XXXX, XXXX XXXX XXXX for this account to be removed immediately. However, Chase 's error is causing extreme stress on me because their banking reporting error caused my credit scores to drop XXXX points & I have an over XXXX credit XXXX score on all 3 bureaus. Furthermore, Im in the middle of getting prepared to purchase real estate this month ( XX/XX/year> ) & my credit score being lowered extremely is devastating & will set me back tremendously, delaying me purchasing a new home!! Also, Chase didn't even have the courtesy to send any emails or letters to customers warning us of this error, I just received d notifications from the credit bureaus that my scores drop extremely! This experience is stressful & devastating, I have worked too hard to have a really good credit score & to get in a positive position to buy a home! I was already frustrated with Chase that every time I apply for credit, they pull from 2 bureaus both XXXX XXXX XXXX XXXX & I get 2 inquires instead of just one, every time & I spoke to a supervisor about this & she said to let her know when this happens so they can correct it but nothing has not been corrected & now this, this reporting error is a way bigger issue but Im just exhausted from Chase 's system errors. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: MS

Complaint narrative:
Dear Equifax, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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