vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint regarding the repossession of my vehicle by Ally Financial, and I seek your offices assistance in resolving this matter. The vehicle in question is a XXXX XXXX XXXXXXXX XXXX. 

Background and XXXX : In XX/XX/XXXX, I made a payment to bring my account current and cover all back payments on the vehicle. Despite this, I experienced significant delays in receiving the release paperwork for my vehicle. It took over three weeks and multiple calls to Ally Financial before I was able to obtain the necessary documents. After this extended wait, I was finally able to pick up my vehicle in XX/XX/XXXX. 
After the vehicle was returned to me, I assumed that since the vehicle was set up for automatic payments, the payments would be drafted monthly as scheduled. I trusted that the payments would be automatically processed as they were supposed to be. 
However, on XX/XX/XXXX, I learned that my vehicle had been repossessed. Upon contacting Ally Financial, I was informed that a payment had not been made, and this was the reason for the repossession. 
I explained to Ally Financial that my vehicle payments had been set up on auto-pay, and I expected the payments to be deducted from my account. Ally Financial informed me that they had never processed the payments, which I believe directly led to the repossession. 
I requested to speak with a manager, but no manager was available at that time. 
On XX/XX/XXXX, I called again and spoke with a representative from the special escalation department. I was told that I would need to pay the full remaining balance of the loan to reclaim my vehicle. I was also told that a special investigation would be initiated regarding the issue, and I was instructed to follow up in 24-48 hours for an update. 
On XX/XX/XXXX, I called once more for an update, and I was informed that the amount to retrieve the vehicle still remained the same. I was again told that the full remaining balance of the loan would need to be paid in order to retrieve the vehicle. This was despite the fact that I had been informed that an investigation into the payment issue was ongoing. 
Request : I believe there has been a significant error on Ally Financial 's part regarding the failure to process the auto payments. Furthermore, the extended delays I experienced in XXXX regarding the release paperwork, combined with the repossession in XXXX, have caused undue hardship. 

I am requesting your offices assistance in investigating whether Ally Financial has adhered to proper procedures and consumer protection laws under New Jersey state regulations. I am also seeking assistance in resolving this matter, so I can regain possession of my vehicle or receive a fair and reasonable resolution. 

Thank you for your time and attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: WA

Complaint narrative:
I have loans for each of my XXXX. In XXXX, their grandparents sent XXXX {$10000.00} checks ; one for loan 1 and the other for loan 2. The account numbers were written clearly on the checks and they were sent to the correct location. Mohela endorsed and cashed the checks XX/XX/year>. I provided copies of the cashed checks to Mohela. They have yet to apply the payments and when Ive called they have told me the following : We can not find the funds This is complex We will escalate this issue Please call us When I call they say they cant help me. When I email, they say to call. They say a supervisor will call and no one calls, even after confirming my phone number. Each time I call they say they will escalate the issue, but the next time I call they say it has not been escalated yet. 
In the meantime, they have continued to charge interest on the full loan amount and will barely talk to me, saying my loan payment is past due. I finally submitted another payment electronically to simply avoid a ding on my credit. 
Ive asked to speak to the Ombudsman Group, yet no one has contacted me, and I previously filed a complaint through studentaid.gov and they simply repeated everything Mohela stated and that they were working on it. 
Im at the end of my rope here, and have spent countless hours on the phone trying to get a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Between XXXX XXXX XXXX, I wired {$100000.00} into my Robinhood account and transferred {$40000.00} via ACH. I used some of these funds to purchase cryptocurrency on the Robinhood platform. I then attempted a small crypto withdrawal to my external cold wallet. Shortly after, on or around XX/XX/year>, Robinhood restricted my account, citing unusual activity. 

I promptly submitted all requested verification documents, including my government-issued ID, a live selfie, and a bank statement. Despite multiple follow-ups and emails to Robinhood customer support, I have not received a clear explanation of why my account remains restricted or when it will be lifted. 

Because of this restriction, I can not access or transfer my funds or cryptocurrency, causing me financial strain and preventing me from managing my assets. Robinhoods app continues to postpone the estimated resolution date, and my requests for a clear timeline or further instructions have not been adequately addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-03 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: VA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: AL

Complaint narrative:
Experian, Equifax, and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN AND EQUIFAX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, and Transunion has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax, and Transunion inaction violate federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: AL

Complaint narrative:
Experian, Equifax, and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN AND EQUIFAX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, and Transunion has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax, and Transunion inaction violate federal law and my rights as a 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 2025-02-03 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: NY

Complaint narrative:
Opened an investigation into incorrect data on my credit report. The investigation was not thoroughly researched.

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 2025-02-03 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: NY

Complaint narrative:
Opened an investigation into incorrect data on my credit report. The investigation was not thoroughly researched.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I received a Cash App Card debit card that I did not order. I called Cash App on XX/XX/year>, at XXXX ( XXXX ) XXXX, and a representative sent me an email with questions and a link to upload images of the debit card ( emails attached ). I promptly emailed back the questions and uploaded the card images. The screen displayed XXXX XXXX XXXX and Submission ID # XXXX after uploading ( print screens attached ). 
I received an email stating that XXXX XXXX would assist me with this matter. However, I have not received any further information from Cash App. On XX/XX/year>, I sent Cash App an email inquiring about the status of the investigation into the unauthorized debit card issued in my name and requesting confirmation that the fraudulent account associated with my name has been closed ( email attached ). 
I have not received any response from Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
I have contacted XXXX XXXX XXXX every week since XX/XX/year>. 
They have failed to send me the lien release letter. With each phone call they advised they would resend the letter and to date I have nothing from them. The loan is now paid for over 60 days now. I have contacted the local XXXX XXXX XXXX XXXX and the advised that XXXX did not electronically release the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
In XXXXI went to XXXX XXXX XXXXXXXX to buy some electronics. The offer me to apply for Credit card. What I accepted. My total amount was $ XXXXNext month.they send me my my monthly estament. I paid {$30.00} dollars the minimum payment. After that in my next estament. They apply inters. The amount increase a {$2700.00}. Before the amount Due on XXXX XX/XX/year> .I went to the XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX. 
In the store I paid the full amount of {$2700.00} In cash.I have my receipt to proof that's. The payment was XXXX XXXXafter that my account was in XXXX balance. After that date I not make XXXX purchase or paid any money with the credit card. In XX/XX/year> the XXXX me a estament for XXXX I call them to ask why I have that balance they explained to me that is a mistake and they will remove the charges. I been trying to fix this problem for about XXXX months but they didn't remove the balance. Now they increase the amount. I also went to the store but they tell me they can't do anything. I need to contact the synchrony bank. I sent to them the proof that I paid in full the amount. But they didn't do anything. There's fax is XXXX the phone number XXXXalready talked to them for more the XXXX months. I frustrating.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint against TransUnion for failing to conduct a reasonable investigation into the inaccurate information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report, including a bankruptcy. In my dispute letter, I specifically requested that TransUnion provide details on how they verified the accuracy of the disputed negative items, which I believe are inaccurately reporting. 
To ensure my identity was properly verified, I included a copy of my government-issued ID, Social Security card , and proof of address. Despite providing all required documentation, I received a response from TransUnion dated XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), if a consumer disputes the completeness or accuracy of any item of information on their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. TransUnions refusal to investigate my dispute constitutes a clear violation of my consumer rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received another email from PayPal Notification claiming a account has been temporarily blocked due to an attempted charge of {$790.00} for XXXX XXXX. I have never had such account with PayPal, nor do I have anything to do with a XXXX. I am totally against XXXX and have had intruders affecting my credit from an unidentified IP address in Texas. This is another fraud attempt that need to be stoped!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MI

Complaint narrative:
Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( XXXX, XXXX. XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX As a victim of identity theft, I am asserting my rights under federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, which protect consumers from the unauthorized use of personal information. The harm caused by these actions is worsened by Experians inaction in addressing my ongoing disputes. 
This situation is further compounded by data security breaches, involving the XXXX XXXX XXXX, exposing my information to misuse. I demand the immediate removal of these fraudulent accounts from my credit report, especially given the impact of recent data breaches. Under the FCRA ( 15 U.S.C. 1681c-2 ( a ), Experian is legally required to block and delete the information resulting from identity theft upon receipt of a suitable report, which I have provided on multiple occasions. The unauthorized accounts linked to my Name, Social Security number, and Personal information are : XXXX : Balance : {$870.00} : Open Date : XXXX XXXX, XXXX XXXX XXXX : {$670.00} : Open Date : XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX : Balance : {$1100.00} : Open Date : XXXX XXXX, XXXX XXXX : Balance : {$840.00} : Open Date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2900.00} : Open Date? 
There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. Furthermore, I have not granted your agency any authority to access or report information about me under the Fair Credit Reporting Act ( FCRA ), which explicitly requires a permissible purpose for such actions. Additionally, I want to highlight that this situation has been worsened by data breaches that grossly mishandled and exposed my sensitive personal information, which your agency continues to misuse. Failure to comply with this demand will leave me no choice but to initiate 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 2025-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: NC

Complaint narrative:
For the past 3 months Mrs BPO has been contacting me every other day via txt message. Ive asked them to stop for months.. I do not owe the company. It had gone past excessive and I am being harassed every other day via txt message. Today I received a txt message in which they advised me to use my tax refund to pay alleged scam amount. Below is a paste copy of the txt coming from XXXX ( XXXX ) XXXX XXXX, your tax refund can help clear your XXXX account ending in XXXX with MRS BPO LLC. MRS is a collection agency. Use it to settle quickly and easilydont wait! 

Call : ( XXXX ) XXXX Visit : XXXX XXXX XXXXXXXX XXXX XXXX : Reply STOP XXXXXXXX XXXX  mrsbpo.com/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXXor fraudulent debt reporting and failure to provide necessary documentation regarding a disputed balance. 
I vacated the rental property Address : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX within the legally allotted time frame per Louisiana law. 
I was never evicted, and I did not owe a balance when I moved out. 
However, XXXX XXXX XXXX wrongfully sold a balance to TeleRecovery, a collection agency, despite my not owing them any money. 
XXXX XXXXXXXX XXXX received payment from TeleRecovery as part of the debt sale, meaning they no longer had any claim to the balance. 
This transaction created a new legally binding contract between XXXX XXXX XXXX and the collection agency, excluding me from the process. 
Two years later, this fraudulent debt appeared on my credit reportwhich I was never made aware of and never agreed to. 
When I requested a XXXX balance letter from XXXX XXXX XXXX, they refused to provide XXXX, despite no longer holding the debt. 
As a result, I am now unable to rent an apartment because landlords require this documentation to confirm I have no outstanding balance

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