vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I have been attempting to finalize my lease account with Chrysler Capital since XX/XX/XXXX. Due to Chrysler Capitals failure to properly update my lease maturity date and accurately reflect the payoff amount, I have been blocked from completing a dealer sale or turn-in.

Ive spent over 20 hours dealing with this issue, including speaking with multiple representatives and two separate members of their Executive Office on different occasions. Both acknowledgedafter reviewing account notes, recorded calls, and historythat the fault lies with Chrysler Capital and committed to resolving the matter. However, no follow-up communication ever occurred. 

Because this has dragged on for so long, I have now incurred additional financial harm, including : Maintaining active insurance coverage ( ~ {$750.00} ) Additional property tax liability ( ~ {$850.00} ) Reduction in vehicle equity ( ~ {$4000.00} {$6000.00} ) Reduced value or total loss of aftermarket paint protection film ( ~ {$7500.00} ) Potential tax obligation that would have been covered in a dealer payoff ( ~ {$3200.00} ) Disposition fee that would have been waived through new Chrysler lease ( ~ {$450.00} ) Multiple inaccurate negative credit reporting entries ( financial impact unknown ) Excessive time lost on unresolved issues ( financial impact unknown ) Operational disruption from storing the vehicle at my business ( financial impact unknown ) Despite repeated and documented requests for resolution, Chrysler Capital continues to report the account as past due and has now possibly initiated repossession actions. I have submitted two formal escalation letters to XXXX, copying both their legal and executive teams. 

I am requesting the following : Immediate removal of all negative credit reporting marks Release of the dealer payoff letter and authorization to sell Formal contact from someone with actual decision-making authority I am still open to resolution but will likely pursue legal action if these issues are not resolved by XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: OH

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 non-monetary relief
Consumer complaint received 2025-03-24 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: CT

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 explanation
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
What I dont understand is if BOA reimbursed me the late fees after they realized they made a mistake by sending the late notices to the wrong address, why wouldnt they remove it from my credit report after they told me they would.? I had no access to those 3 accounts after they were closed and I had no knowledge they charged me interest on 3 closed accounts after the accounts were closed. I notified BOA of my new address immediately after closing the accounts and they still sent 5 months of late notices to the old address and never contacted me in any other way that I had a balance and late fees after closing those accounts. BOA charged me interest after closing all XXXX accounts and sent notice to an old address and never called me or notified me through the bank app that I had any balances. Then when the balances were not paid ( because I had no notification ) they tacked on interest and continued to send late notices to an old address for 5 months and continued to allow me to bank with them never notifying me of these charges. When contacted by the new resident of my old house that I had old mail that had collected, I immediately discovered these new charges to old closed accounts and immediately paid them. BOA made me pay late fees on top of the interest and I disputed the late fees. Upon disputing the charges, BOA immediately realized their error and reimbursed me the late fees and assured me that they were sending letters to the credit bureaus requesting the late fees be removed. How can they decline to remove the late fees on my credit report after acknowledging their mistake and reimbursing me my late fees?

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 2025-03-24 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: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally complain about these creditors and the inaccurate and potentially fraudulent information that has been reported on my credit report under your companys name. This situation violates my rights as a consumer under 15 U.S.C. 6802 and 18 U.S.C. 894.

I have requested that you provide the purchase agreement and other relevant documentation to verify the ownership of the account in question. I must review these documents to ascertain whether this account legitimately belongs to me. Your failure to provide this information is unacceptable and has caused significant distress. 

As per the Fair Credit Reporting Act, I expect a prompt response to my request. If you are unable to furnish the necessary documentation proving that I am responsible for this account, I request that you remove this information from my credit report immediately. 

Please treat this matter with urgency and respond within 30 days. Failure to comply will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: The Bureaus, Inc.
State: NC

Complaint narrative:
I am writing to formally complain about these creditors and the inaccurate and potentially fraudulent information that has been reported on my credit report under your companys name. This situation violates my rights as a consumer under 15 U.S.C. 6802 and 18 U.S.C. 894.

I have requested that you provide the purchase agreement and other relevant documentation to verify the ownership of the account in question. I must review these documents to ascertain whether this account legitimately belongs to me. Your failure to provide this information is unacceptable and has caused significant distress. 

As per the Fair Credit Reporting Act, I expect a prompt response to my request. If you are unable to furnish the necessary documentation proving that I am responsible for this account, I request that you remove this information from my credit report immediately. 

Please treat this matter with urgency and respond within 30 days. Failure to comply will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent accounts on my report. I want these accounts removed. I am in the process of getting a home and this is effecting my credit. Thank you!

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 2025-03-24 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent accounts on my report. I want these accounts removed. I am in the process of getting a home and this is effecting my credit. Thank you!

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 2025-03-24 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: SOFI TECHNOLOGIES, INC.
State: VT

Complaint narrative:
I got an email from some company call Sofi. They claimed I had a student loan that was previously managed by some company called XXXX. And that they ceased to exist.XXXX XXXX XXXX XXXX XXXX XXXX, and sofi has taken all over accounts. They sent me an email to log into their company and enter all my loan.Information and personal information. Of course.I did not click or respond to the email nor call the phone numbers.Because i've never taken out a student loan in my life. I also checked my credit report just to make sure no one was using my identity.And there are no student loans on my credit report. So this company is obviously a scam company and a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against cashapp ( block.Inc. ) due to inadequate customer service unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX. Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Acceptance Corporation
State: MO

Complaint narrative:
As seen in the picture attached, World Finance in XXXX of 2025 Friviously reported my account is Not Current, although this account was involved in litigation and settled for less and almost XXXX old but they continue to report false information and causing me economic harm and I may file a lawsuit against World Finance for improper use of my credit report! Please investigate them and make a finding they friviously reporting wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Blend Labs, Inc.
State: OH

Complaint narrative:
I have contacted Blend Insights multiple time to obtain a consumer report and place a security freeze on my account. I received an email XX/XX/year> stating they receive my request, and I received another email XX/XX/year> that provided instructions for placing the security freeze on my account. The email that I received XX/XX/year> was addressed to a different name. In the email, they listed a three step process to place the security freeze step one and the process required me to enter my full Social Security number and date of birth. I wasn't comfortable entering my Social Security number and date of birth responding to an email that was addressed to another person. 

You're not able to contact blend insights representative by telephone. A voice recording instructs you to leave a message giving all of your personal information and the message states that someone will be in touch with you. It never says when someone will be in touch with you. 

I started this process XX/XX/year> filling out there contact us section on their website and as of XX/XX/year> I still haven't received a copy of my report or any confirmation that the security freeze was placed on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Unauthorized inquiries showing on my credit report

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 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 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute process is unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused me significant financial loss and inconvenience and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Key 2 Recovery, Inc.
State: OK

Complaint narrative:
There is a debt for XXXXXXXX XXXX XXXX on my credit report. This was a debt that was established in XXXX after I graduated high school and enrolled at XXXX but never attended. It is XXXX XXXX XXXX and was previously on my credit report and came off. Oklahoma statue of limitations for a debt to be on credit report is XXXX years. This debt is past the statue of limitations. I disputed the debt with credit bureaus and the Key 2 Recovery collection agency is claiming the date of this year is correct although it is not!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation