vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
They took the car and its still on my credit and I paid the settlement 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
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
My account at Robinhood has been restricted for XXXX weeks now. I'm unable to withdraw money or access my IRA. It is almost impossible to make contact with the company. XXXX requires you to request a call back from their customer service. It takes XXXX days to get a call back from someone. If you don't answer the call, they leave a message indiacating you should call again and reference a case number they provide. However, even when calling back within XXXX minutes, an automated system stattes the case number has already been closed and you must request another call back from customer service. In the last XXXX weeks, I've only manged to actually speak to someone on XXXX occasion. I have provided every document they requested ( XXXX document I've provided XXXX times ), and have answered numberous questions to try and resolve the issue. However, the restriction never gets resolved and the whole process starts over with me requesting a customer service call and waiting XXXX days and hoping I'm available to take the call. It is a circular process with no real customer service and seemingly no wa to resolve the account restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, TransUnion, and XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened XXXX with XXXX XXXX and a balance of {$1800.00}. I have never received any services of goods nor do i have a contract with this company. I don't know who they are, nor have I signed any agreement or contract. This company do NOT have a signed agreement with my signature to there company. The account needs to be deleted immediately for fraud reporting to my credit report. This collection account is inaccurate and false under 15 USC 1681s-2 ( A ) and 15 USC 1681e ( b ) they can not furnish my signed signature for any product they offer, so this account can't be verified under any federal consumer 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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, XXXX, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened XXXX with XXXX XXXX and a balance of {$1800.00}. I have never received any services of goods nor do i have a contract with this company. I don't know who they are, nor have I signed any agreement or contract. This company do NOT have a signed agreement with my signature to there company. The account needs to be deleted immediately for fraud reporting to my credit report. This collection account is inaccurate and false under 15 USC 1681s-2 ( A ) and 15 USC 1681e ( b ) they can not furnish my signed signature for any product they offer, so this account can't be verified under any federal consumer 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 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Debt Explanation Dear Sir/Madam, I am writing to formally request a detailed explanation of the debt listed under my name, XXXX XXXX XXXX XXXX Specifically, I would like to receive information regarding the following accounts : XXXXXXXX XXXX  ( Account # : XXXX, XXXX, XXXX ) XXXX  ( Account # : XXXX ) XXXX XXXX  ( Account # : XXXX ) Please provide the following information for each account : A full breakdown of the outstanding debt, including the original amount, interest, fees, and any other charges applied. 
The name of the original creditor. 
A copy of the original contract or agreement ( if available ). 
A detailed payment history, showing all payments and credits applied to the account. 
Any other relevant documents supporting the debt. 
I kindly request that this information be sent to me in writing within 30 days of receipt of this letter, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please note that I am seeking clarification and resolution of this matter. Should this debt be found to be in error, I would like to request its removal from my credit record. 

Thank you for your prompt attention to this request. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-13 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:
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Experian Subject : Dispute of Inaccurate Information and Improper Investigation Dear Experian or To Whom It May Concern I am writing to formally dispute the inaccurate information reported on my credit report by Experian and to express my concerns regarding the improper investigation conducted as well as false information.

The inaccurate information continues to negatively impact my credit score and overall financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair investigation of my disputes, and I believe that your agency did not fulfill this obligation in my case. 

I am requesting that you conduct a thorough and complete investigation into this matter, taking into consideration the documentation I have provided. I am also requesting that you remove inaccurate information from my credit report if it is found to be erroneous. 

Please find enclosed copies of my previous correspondence, the credit report with the disputed information highlighted, and any relevant documentation that supports my claim. 

I expect a prompt response regarding the outcome of the investigation and any actions taken to rectify this situation. Thank you for your attention to this matter. 

Best Regards.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-13 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Subject : Complaint Regarding Late Fee and Consecutive Interest Charges on American Express Account Dear CFPB, I am writing to file a formal complaint regarding the handling of late fees and interest charges on my American Express XXXX XXXX XXXX account ending in XXXX. Below are the details of the issue : XX/XX/XXXX Statement : * Statement Balance : {$890.00} * Due Date : XX/XX/XXXX * Action Taken : I attempted to set up autopay to pay the full balance by the due date. 

However, on XX/XX/XXXX, I received an email notifying me that the payment was not received. I immediately logged into my account and paid the full balance of {$890.00} on XX/XX/XXXX. 

Late Fee Charged : On XX/XX/XXXX, a late fee of {$29.00} was charged to my account. 
I contacted American Express via chat and explained the situation. The agent attempted to waive the fee, but the system reportedly did not accept the adjustment. 

XX/XX/XXXX Statement : * Statement Date : XX/XX/XXXX * Balance : {$1200.00} ( including the late fee and interest charges for the delayed payment ). 
* Due Date : XX/XX/XXXX * Action Taken : I paid the full balance of {$1200.00} by the due date. 

Interest Charges : Despite my full payment, the XX/XX/XXXX statement showed another interest charge of {$23.00}, attributed to the two-day late payment from XX/XX/XXXX. 

Additional Attempts to Resolve : On XX/XX/XXXX, I contacted an online agent again to request a waiver for both the late fee and interest charges. The agent attempted to process the waivers, but the system again denied the adjustments. 

Request for Resolution : I respectfully request that American Express review the following transactions and waive the associated fees and interest charges : * {$29.00} late fee posted on XX/XX/XXXX. 
* {$36.00} interest charge posted on XX/XX/XXXX. 
* {$23.00} interest charge posted on XX/XX/XXXX. 
These charges were incurred despite my efforts to resolve the issue promptly and pay the balances in full. The system 's refusal to process fee adjustments after multiple requests has caused unnecessary frustration and financial burden. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
Identify theft XXXX XXXX  someone used my personal information to obtain a credit card from XXXX XXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/year>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 2025-01-13 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: PA

Complaint narrative:
Identify theft XXXX XXXX someone used my personal information to obtain a credit card from XXXX XXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/20XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
Identify theft XXXX XXXX someone used my personal information to obtain a credit card from XXXX XXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/year>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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Given the recent findings by the Consumer Financial Protection Bureau ( CFPB ) that Experian has allegedly conducted " sham investigations, '' I am particularly concerned that my dispute will be handled appropriately. I request confirmation that my dispute will receive a comprehensive and genuine review. 

Please acknowledge receipt of this dispute and keep me informed of the investigation 's progress. If the investigation confirms the disputed information is incorrect, I expect Experian to promptly remove or correct the information and send me an updated 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 2025-01-13 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : 1. Account Name : 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 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX RE : Correction to my personal information Dear TransUnion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXXXXXX 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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 U.S.C 1681 ( b ) Disclosure on request of nature and scope of investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered. To the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. Please remove this charge from 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 non-monetary relief