vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CIG FINANCIAL LLC
State: AZ

Complaint narrative:
We purchased a vehicle from AutoNation in XX/XX/year>. During the finance portion we were assured they submit loan applications to multiple lenders to get us the best rate as the rate he mentioned for Auto nation was too high in our opinion. Yesterday XXXX when I checked my mail, I received notice the truck had been financed through AutoNation Finance. I realized I hadn't received any adverse action letters telling us our loan application had been denied anywhere else, so I became concerned that AutoNation made no attempt to find me a better rate and forced my loan into a company that they can profit from the higher interest rate on. I called AutoNation and spoke to the finance manager of the store today and he confirmed they only submitted the one application to AutoNation Finance for the XXXX XXXX we purchase. My partner purchased a car at this same dealership the day before which was significantly lower in cost and the finance manager confirmed they sent our 3 applications on that car but only one on our expending fullsize truck. I'm concerned the dealership is doing this intentionally to profit from the higher rate and is not advocating for their customers or see if there are better rates available to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is actively avoiding accountability by refusing to allow customers to record calls while they record customers. 

Chase contacted me about my CFPB complaint but refused to continue the call once I informed them that I was also recording. 

They stated that it was policy to prevent customers from recording calls, but they record all calls themselves. 

I requested a transcript or copy of the recorded call, and Chase refused to provide it. 

This raises serious concerns about their transparency and whether they are deliberately hiding deceptive practices from customers. 

Chase is suppressing consumer rights by refusing to allow recordings while maintaining full control over their own records. If their actions were ethical, they would not fear transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following fraudulent accounts were opened in my name without my authorization : 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 These accounts are being reported by TransUnion, Equifax, and Experian, despite their obligation to ensure accurate reporting. I request that the CFPB demand the credit reporting agencies immediately investigate and remove/block these items from my credit file within the FCRA-mandated four ( 4 ) business days. 

Under the Fair Credit Reporting Act ( FCRA ), I request that the CFPB immediately demand the credit reporting agencies remove these accounts from my credit reports within four ( 4 ) business days. These accounts are fraudulent, and their presence is negatively impacting my credit standing. 

I have attached my FTC Identity Theft Report and supporting documentation for your review. I urge the CFPB to intervene and ensure that TransUnion, Equifax, and Experian comply with the law by removing these unauthorized accounts promptly.

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 2025-03-03 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I have filled a report to clarify the incorrect information that has been sent by the credit bureau through my email. I am writing to formally dispute an error on my credit card statement. I have requested a further investigation regarding this matter but the problem became disregarded by the company. I appreciate your prompt attention regarding this matter.Iin addition, I would like a confirmation receipt to keep me notified.

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 2025-03-03 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) after identifying the items below as information that resulted from identity theft and providing the required documentation, XXXX should block and remove these items no later than 4 business days after receiving the required information. I have attached appropriate proof of my identity, a copy of an identity theft report, the identification of such information related to the identity theft, and a statement by me, the consumer, that the information is not information relating to any transaction by me. Delete and block this information immediately according to FCRA 605B ( 15 U.S.C. 1681c-2 ). By continuing to report this information on my credit, XXXX is violating my consumer rights under FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Below are the accounts that NEED TO BE BLOCKED AND DELETED per FCRA 605B ( 15 U.S.C. 1681c-2 ) : 1. Suntrust Bank ( Truist Bank ) with RTN/ACCT # XXXX with closed date of XX/XX/XXXX and original charge off amount of {$340.00}. 
2. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
My credit card is in good standing with USAA and accumulates reward points. On XX/XX/XXXX, I used the card for purchases at XXXX at self-checkout. Before I found the button to respond to the inquiry ( did I want to use reward points with USAA for partial payment ), the transaction went through. A matter of seconds, without any response from me. XXXX points were used for a payment of {$10.00}. I went immediately to customer service and was told they could not reverse the transaction. I have called USAA and was told this is a new program with a few retailers and that I should find the button quicker Issues : 1 ). The use of the points was unauthorized 2 ). The value for the points was less than their value with USAA ( a scheme to reduce the value of my points ). Fraud 3 ). Potential for abuse of many other consumers for very large sums

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 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/year>, I discovered I could not access my PayPal account due to an error stating my information was incorrect. I promptly reviewed my email and found a notification from PayPal dated XX/XX/year>, alerting me that an unauthorized email address ( XXXX ) had been added to my account, followed by an unauthorized transfer of {$390.00} to an unknown recipient, XXXX XXXX. Upon contacting PayPal Support, I was informed my account had been compromised on XX/XX/year>, with the attacker altering my password, security questions, email address, and adding two fraudulent phone numbers ( ending in XXXX and XXXX ). With the Help of PayPal support team, I was able to recover my Account, but I could not recover my funds. I have to pay my XXXX expenses. So please contact the PayPal team and review my Case ( Case ID : XXXX ) that I filed in PayPal and help me to get my funds back in my PayPal Account. 

My PayPal Account Details : To assist in your investigation, here is my account information : Name : XXXX XXXX XXXX Email : XXXX Original Phone Number : ( XXXX ) XXXX Last 4 Digits of SSN : XXXX Last 4 Digits of Linked Bank Account : XXXX Case ID : XXXX Please contact the PayPal Team and help me to get my Funds Back. Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I noticed my credit card was declined on Sunday, XX/XX/XXXX, while attempting to purchase groceries. I called my bank, Bank of America, on XX/XX/XXXX, to inquire. I paid the past due minimum balance of {$35.00}. The restriction on my credit card has not been released and I am unable to complete purchases for groceries ( FOOD ). I am also complaining about Bank of America 's unreasonable delays in responding to phone calls.

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 2025-03-03 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: FL

Complaint narrative:
I am filing this urgent complaint against XXXX XXXX XXXX and the major credit reporting agencies ( Experian, XXXX, XXXX ) for their egregious, repeated failures to correct blatantly inaccurate information on my credit report for my line of credit account ( Account Number : XXXX ), in direct violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Consumer Financial Protection Act ( CFPA ), and other consumer protection laws. This has caused catastrophic harm to my financial stability, nearly resulting in the loss of my home, and I demand immediate investigation and rectification. 

Since XX/XX/XXXX, I have diligently disputed this account, which is falsely reported as charged off with {$390.00} written off, {$260.00} past due as of XX/XX/XXXX, and showing " CO '' entries with 180-day delinquencies since XXXX. This is utterly falseI never defaulted on this account, opened on XX/XX/XXXX, and managed it responsibly with timely payments. The reporting is a gross misrepresentation that persists despite my disputes. 

The credit reporting agencies and XXXX XXXX XXXX have failed to conduct reasonable investigations or correct these errors, violating FCRA Section 1681i ( Duty to Reinvestigate Disputed Information ) and FCRA Section 1681s-2 ( Duties of Furnishers of Information ). CRAs have provided vague, insufficient responses, claiming the information is " verified '' without detailed investigation processes or evidence, breaching FCRA Section 1681i ( a ) ( 6 ). XXXX XXXX XXXX has ignored my disputes, refusing to provide proof of delinquencies or charge-offs. 

This systemic negligence has obliterated my credit score, denying me credit, loans, and financial stability. I have nearly lost my home due to these false reports, facing immense emotional and financial distress. I demand : A thorough, transparent investigation with full disclosure of processes and documentation, per FCRA Section 1681i. 
Immediate removal of all inaccurate entriescharge-offs and past-due statusesfrom 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 2025-03-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In accordance with the Fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 604 ( a ) section 2. It also States a consumer report agency can not furnish an account with written instruction under 15 USC 1666 ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom this may concern, I am attaching an FTC report which contains 5 fraudulent accounts! I have listed 15 fraudulent inquiries in the FTC report as well along with a unknown address. Please block, delete remove items in FTC report under FCRA 605B 4 day block as I will be contacting a consumer law attorney to sue these companies for placing these accounts on my credit report if they are not removed from my credit file as soon as possible.

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 2025-03-03 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: 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

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 2025-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: AR

Complaint narrative:
I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. My personal information was compromised online resulting in many fraudulent accounts being opened. The following accounts are fraudulent. I did not authorize these accounts or authorize my information to be used to open these accounts XXXX XXXX XXXX XXXXXXXX {$3300.00} Pursuant to [ FCRA 15 U.S.C . 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information.

4. This statement that the information is not related to any transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within 4 business days upon receipt of this letter.

I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.

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

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

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 2025-03-03 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: 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 :

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 2025-03-03 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: IL

Complaint narrative:
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Sequium Asset Solutions, LLC
State: FL

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. 
Account name : # XXXX XXXX  XXXX, Account name : # XXXX XXXX, Account name : # XXXX Sequium Asset Solution, has violated my rights. 

I looked at my XXXX XXXX report on XX/XX/2025 and noticed some things are not complete and, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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