vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
In early XXXX of this year I reached out to Kia Finance America to let them know was struggling with the payments due to financial hardship. They told me I had to get my account current to be able to file for a payment deferral. I asked if there was anything else they could do to help. They told me there wasn't anything they could do that I had to be current. They put a promise to pay on my account. I borrowed money from my father to get the account current and paid the past due amount. When I called back they said I had to wait until the payment was processed and could then call back and defer the payments. I then called back a few days later after it had went through. They then told me that they couldn't defer any payments because there was a promise to pay on the account. I told the guy I had made the payment and he just told me that didn't matter, that the promise to pay would come off at the end of the month, leaving me very little time to be able to complete the payment deferral. They didn't care. So I called back at the end of XXXX and got the payment deferral approved. I never received the documentation needed to sign to complete the payment deferral process. By that time of dealing with all the run around they had already put me through I couldn't find the strength to deal with them. I also had multiple other issues I had been dealing with like getting back to work, taking care of my children, paying overdue electric and water bills, working something out with my mortgage company, and the list goes on. I was drained, I am drained. Again, they don't care. They have been completely unwilling to provide me a suitable solution to the current issue and have done nothing but give me the run around. Today I called and it was much of the same story, they couldn't do anything because now the account was delinquent and that I'd have to make payments to get it current again, despite them making multiple missteps along the way. Again they don't care. I even requested to speak with the XXXX and she just fed me the same stuff and continually talked over me, causing me to become more upset. I didn't get any names, but they have the calls recorded. This was XXXX XX/XX/2025 at around XXXX XXXX  I honestly do not know what to do. All I have been asking is for them to defer XXXX payments so I can start paying again in XXXX now that I have a job. I have had XXXX vehicles with them, paid off the first and paid most of this vehicle off and only have XXXX payments left. They are not willing to do anything to assist me unless I pay. They do not even acknowledge their mistakes, and just continue to give me the run around.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint against Capital One XXXX regarding an unauthorized transaction of {$800.00} that was withdrawn from my account through XXXX. I did not authorize this transaction and discovered the fraud when I noticed issues with my phone service. While connected to my home Wi-Fi network, I realized I wasnt receiving mobile service and checked my bank account. Thats when I saw the {$800.00} had been withdrawn without my knowledge or consent. 

I later learned my phone number was likely compromised through a XXXX swap, which allowed a fraudster to bypass two-factor authentication and access my account. I am currently in rebuttal status with Capital One and have submitted supporting documentation, including a police report and relevant security notices. 

Despite this, Capital One initially denied my dispute, citing activity history and other vague justifications. I believe this decision violates Regulation XXXX, which places the burden on the financial institution to prove I personally authorized the transaction. I did not. 

I am XXXX and rely on a fixed income, and this loss has created a XXXX financial hardship. I am requesting the CFPB to assist in reviewing Capital Ones handling of my dispute, their failure to provide provisional credit, and their reasoning for denial despite strong indicators of fraud. 
XXXX fraud happens a lot for me please just help I dont care about the integrity of the investigation just I want my {$800.00} back. I also didnt have control of my phone number but I did my phone. So dont be arguing that I had control of my phone when it was my phone number I didnt have control of

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 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: TekCollect Inc.
State: FL

Complaint narrative:
On XXXX, XX/XX/year>, I XXXX XXXX was denied financing from my lender due to a collection listed on my consumer report. The creditors name is XXXX XXXX XXXX I am not familiar with this account nor creditor and I am requesting an investigation to take place on my behalf in regard to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-03-31 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: AZ

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 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Attempted to contact debt company through telephone number given to me by XXXX  XXXX XXXX to explain debt amount and validate its accuracy, no account found within their system linked to my social security number. Unable to give me any information to clear this debt from my credit to secure housing for my son and I.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: MS

Complaint narrative:
I got a loan from BMG money they advised that this loan would close my old loan and show my loan refinance which I was happy about but unfortunately they reported that my loan was a write off and put the new loan in place which is an error I have been trying to fix this for nearly 8 months and still today they reported to XXXX my account is a write off when it is not a write off when I am paying them monthly for the same account. They have reported to all bureaus that my account is a write off when in fact they are paid every month due to my account being refinanced

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I contacted paypal in regards to a fraudulent charge that occurred on XXXX on my debit card. I opened a dispute. Paypal has refused to investigate the matter. When I ask to speak to supervisors I am ignored and have the call transferred to a line that just beeps indefinitely. These calls have gone on for over an hour. I have informed paypal of the purposed misleading information such as the company alleging the product was returned to them, the product is still in transit to me, and then still asking to send me a replacement versus a refund. None of the tracking information from the company, XXXX XXXX XXXX, limited, checks out at all as you can see in the attachments. The company takes over a week and even longer to respond knowing that there is a time frame to file a dispute they are biding their time. XXXXXXXX XXXX  has failed to allow me to file a direct dispute and therefore I am holding them just as liable as Paypal and this third party company. Paypal is working with this third party company as they have on recorded lines refused to verify information and allow me to speak to someone or even a supervisor to resolve these matters. They are as well purposely not allowing me to send them correspondence from the seller in regards to this fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I will provide exact dates but need this filed asap. About 5 months ago I closed my credit card with Bank of America. I was promised I no longer would owe any mony on the account and it was closed. Four months ago I received a letter from Bank of America saying I have three late fees and owed {$240.00}. After three hours on the phone I was told when my account was closed it was in between billing cycle. I had paperless and never got an email saying money was owed. I was very angry but paid it off the {$240.00} thinking I was done with the nightmare called Bank of America. Again I was promised obligations were met and a letter would be mailed to me. Now today I find there are more late fees and Bank of America has taking {$50.00} from my TD bank checking Acct! I want to qualify for a home and now credit score has been destroyed. I have worked so hard to pay off a car loan and that credit card. Please help me. Thank You, 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 monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: World Acceptance Corporation
State: UT

Complaint narrative:
I am writing to formally request that you validate the debt referenced in your communication. As per the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am entitled to request validation of any debt you claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TN

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MI

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 non-monetary relief
Consumer complaint received 2025-03-31 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:
I am formally disputing the following negative items on my credit report : 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 XXXXXXXX XXXX XXXX XX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 2025-03-31 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: MS

Complaint narrative:
XXXX  XXXX XXXX** - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - My PERSONAL INFORMATION is being compromised in the XXXX XXXX XXXX XXXX I have no recollection of this account. Please investigate and remove from my credit report. 
XXXX - XXXX - 15 USC 1692g Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. - Remove it from my credit report. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - I have no recollection of this account. Please investigate and remove from my credit report. 
ONEMAIN - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - I have no recollection of this account. Please investigate and remove from my credit report. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - I have no recollection of this account. Please investigate and remove from my credit report. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - I have no recollection of this account. Please investigate and remove from my credit report. 
As a consumer, I demand that these inaccurate accounts be deleted immediately. Failure to do so may result in legal action seeking monetary damages in a small claims court in my jurisdiction. I have already involved and sent this letter to the Consumer Financial Protection Bureau, the Attorney General XXXX XXXX, the Better Business Bureau, and the Federal Trade Commission. The erroneous result of the XXXX data breach directly violates 15 U.S. Code 1681 by reporting incorrect 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Refuse to remove the requested information although affected by both Equifax data breach and Experian and provided the required documents for removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
I am a victim of identity theft, and I am formally submitting this complaint to notify the Consumer Financial Protection Bureau ( CFPB ) and the credit reporting agencies of fraudulent accounts currently appearing on my credit file. 

I am submitting this dispute along with the following legally required documentation under FCRA 605B : Identity Theft Report # XXXX A copy of my government-issued photo ID Under 15 U.S.C. 1681c2 ( FCRA 605B ), the credit reporting agencies are required by law to block fraudulent information from my credit file within four ( 4 ) business days after receiving proper documentation. I am fully aware of this right and am asserting it now. 

The following accounts were fraudulently opened in my name without my knowledge, authorization, or consent and must be permanently removed : XXXXXXXX XXXX Opened XX/XX/XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$420.00} First XXXX Bank Opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: LA

Complaint narrative:
On XX/XX/year> I attempted to get information for this collections in written communications and never received anything. I do not believe this debt is mines and have since filed a identity theft report as well as disputed this debt with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation