vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXX XXXX ( Nevada resident ) purchased XXXX XXXX XXXX ( XXXX XXXX ) from seller XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Bill of Sale dated XX/XX/XXXX. 
Sellers copy of CA vehicle registration. 
XXXX XXXX purchased through Mountain America Credit Union car loan. 
Mountain America Credit Union paid off the seller 's loan on the vehicle with XXXX XXXX XXXX on behalf of the buyer. 
Authorization for Payoff from XXXX XXXX XXXX dated XX/XX/XXXX Notarized Limited Power of Attorney for loan payoff dated XX/XX/XXXX Seller ( XXXX XXXX. XXXX  ) was to receive properly signed off CA Title for the vehicle from the previous lienholder XXXX XXXX XXXX XXXX ) and send it to Buyer ( XXXX XXXX ) to provide to the new lienholder XXXX Mountain America Credit Union ). 
Multiple attempts were made both by Mountain America Credit Union and the buyer ( XXXX XXXX ) to contact the seller ( XXXX XXXX. XXXX ) as the title was never provided to the buyer. 
Seller has been completely uncooperative/nonresponsive. 
Vehicle registered in Nevada since XX/XX/XXXX ( and presently ) under XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX off Auto Loan on the vehicle with Mountain America Credit Union XXXX 
Mountain America Credit Union can not provide XXXX XXXX with the Nevada title to the vehicle as they never received the original CA title from the seller ( XXXX XXXX. XXXX ). 
Notarized XXXX XXXX note from Mountain America Credit Union regarding XXXX XXXX XXXX ( XXXX XXXX ) describing XXXX XXXX as sole owner of the vehicle dated XX/XX/XXXX. 
XXXX XXXX is unable to receive proper Nevada title as the original title is from California and is advised by Nevada DMV to contact California DMV.

XXXX XXXX goes to XXXX, CA California DMV office, completes various paperwork requesting a duplicate title, and pays for title fees. 
CA DMV receipt for {$65.00} dated XX/XX/XXXX. 
As of XX/XX/XXXX, no title or response has been provided from California DMV.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Seeing my report filled with inaccuracies that hurt my score is beyond discouraging. These mistakes are costing me access to better financial options and opportunities that Ive worked hard for. Its exhausting to fight the same battle over and over.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Seeing my report filled with inaccuracies that hurt my score is beyond discouraging. These mistakes are costing me access to better financial options and opportunities that Ive worked hard for. Its exhausting to fight the same battle over and over.

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: TN

Complaint narrative:
This account was charged off on the following XX/XX/XXXX. Since then the account was reportedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account 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 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This account was charged off on the following XX/XX/XXXX. Since then the account was reportedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I have been on hold for almost XXXX hours with Mohela, trying to get my loan payments figured out since their estimated monthly payment is too high. I have not spoken to an actual person in those XXXX hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
My Insurance company ( XXXX XXXX XXXX XXXX ) debt was sent to Credit Collection Services when I had already disputed the debt with the insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
THIS INVOLVES Care Credit issue by Synchrony Bank. 
My name is XXXX XXXX, and I have had this account for XXXX  years. I have paid this account monthly. I made a payment on XX/XX/XXXX, for XXXX and again on XX/XX/XXXX for XXXX. On XX/XX/XXXX I found out the account is closed without notice to me or explanation. I called customer service and spoke to " XXXX ''. She stated closure was due to dishonored payments. she then put me on hold for XXXX minutes, came back and said I had late payments ( which were late by a few days ). 
I then asked if the account as charged off, and she said she could not honor my request. I then asked for a 1099C and she said she could not honor my request per her supervisor.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Formal request for investigation- charge Off- dispute a charge off has been reported on my credit file, ad despite my repeated attempts to obtain validation and address inaccuracies, the issue remains unresolved. I previously contacted the creditor and the credit reporting agencies but have not received adequate responses or resolution, such as Iam escalating this matter to your office for investigation under the Fair Credit Reporting Act.

I request that the CFPB investigate this matter and take necessary actions to ensure compliance with applicable laws.

Thank you for your attention to this matter. Please Feel Free to contact me if further information is needed. 
Thank you.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I missed a whole day of work, and asked to be compensated. I spoke with XXXX at the XXXX XXXX. My money was refunded, but now I want to Sue PNC, I for not seeing the Red Flags concerning my Hard Earned Benefits. I am sure XXXX can see, when someone retrieved my Account. Also XXXX dropped my Score XXXX points, because of Student Loans. Because of the discrimination, by being a XXXX XXXX XXXXXXXX, I have been Red- lined from big Corporations, I have received Mental Anguish from PNC , to sell my information to a Third Party.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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: 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Mortgage was sold to Truist bank. I applied mortgage payment for XXXX & XX/XX/XXXX via my XXXX XXXX XXXX online bill pay services. Truist claims to have never received payment yet I have confirmation from my XXXX XXXX. I processed XX/XX/XXXX payment via XXXX online electronic pay. Again Truist denied receipt of payment. I went in to Truist bank location on XX/XX/XXXX and made a cash payment. Truist refused to acknowledge payment and have not returned funds. Additionally they refused to accept cash forms of payment and restricted payment to XXXX online processing only. I had to open an account with XXXX XXXX dollars and apply XXXX of XXXX dollars payment to satisfy account. Today I've noticed I have not received refund of XX/XX/XXXX XXXX payment and I have another debt to my account on XX/XX/XXXX for original payment they claimed they never received. I'm owed XXXX dollars refund and I believe this was done intentionally. How is it they never received XXXX and XXXX yet magically received XXXX after satisfying account. Truist is a scamming institution.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Request for Dispute Processing and Compliance with Power of Attorney To Whom It May Concern, I am submitting this complaint regarding the refusal of your agency to process my recent disputes, despite having provided a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. I received a response indicating that you will not proceed with the dispute because you do not believe the dispute came from me. This claim is inaccurate and dismisses the POA that was clearly submitted. 

As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to force me to use your online or phone dispute methods instead of honoring the disputes I have submitted. 

I respectfully request that you process my disputes as originally submitted, in accordance with my legal rights and the POA provided. 

For your reference, I have attached the following supporting documents : - My government-issued ID Thank you for your prompt attention to this matter. 

Sincerely, 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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
XX/XX/25 applied for loan on XXXX XXXX for One Main Financial with a total of {$20000.00} and APR of 17.5 % to consolidate credit cards. I received notification that loan was approved and to set up an appointment to discuss with OneMain Financial. They called me at XXXX XXXX today XX/XX/25 and provided a rate of over 35 % for {$14000.00}. This is false advertising and a complete bait and switch. Although I did not accept the terms, this has affected my credit that I am trying so hard to improve. I also did not authorize One Main to pull my credit as I would have questioned this since it was already approved per my notification. I would like the mark on my credit removed. One Main needs to provide a disclaimer on XXXX XXXX. The manager stated they are a 3rd party and cant control them however they are acting as their agent and are 100 % responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: MS

Complaint narrative:
I got with XXXX in XXXX being my alarm company with equipment being purchase from Fortvita, in which both has been getting debited from my personal checking account through two sperate transaction for each ( account never been late or over drafted ) The issue I have is Fortvita has stopped debiting my personal bank account and has sent me a Fortvita Credit Card that I didn't apply for or authorize to be sent too me. I have reached out to them and was told that an email was sent to me in XX/XX/XXXX giving me 45 days too accept the card ( an email that I knew nothing about SCAM ) When I contacted Fortvita customer service department and all they kept telling me about an email they sent and all I was telling them is I'm not activating a card that I never applied for or authorized anyone too run my credit, Fortiva was debiting my personal checking account {$25.00} a month since XX/XX/XXXX, but since they have stopped debiting my checking account and me not activating the credit card I have a {$170.00} amount not paid. and says my total balance is {$1000.00} for pay off .I do know this is a violation of Truth in Lending Act ( TILA ) Transferred my balance to a credit card and the contract does not allow them to run a credit check on me .I last spoke with them Monday XX/XX/XXXX telling them I will get an attorney and fight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, Formal Dispute of Experian dispute investigations.

I am writing to formally complain about the dispute investigations filed against me by Experian. Additionally, I want to address the inadequate handling of my previous disputes regarding this matter.

I submitted disputes to Experian regarding inaccuracies in their claims, as well as the documentation provided to substantiate their position. However, the investigation conducted by Experian was incomplete, inadequate, or non-existent. This failure to properly investigate my disputes violates the Fair Credit Reporting Act ( FCRA ), specifically 611, which mandates a reasonable investigation into disputes.

Furthermore, I have not been provided with : 1. Proper validation of the debt in question. 
2. Evidence that a thorough and impartial investigation was conducted.

I am requesting that you : Immediately cease all collection activities until this matter is resolved.

Provide all supporting documentation substantiating your claims.

Report the accurate resolution to the appropriate credit reporting agencies ( if applicable ).

Please note, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) for further review. You can expect follow-up correspondence from them as well.

I look forward to your prompt attention to this matter. Failure to resolve this dispute amicably may result in further action to protect my rights. 

Sincerely, 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

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:
I've been a victim of Identity theft and as a results of this a fraudulent account has appeared on all three credit bureaus. This account by the name of XXXXXXXX XXXX is reporting late. I have no recollection of this account. At this point I'm requesting for this account to be remove from all three of my credit bureaus

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: CA

Complaint narrative:
I've been a victim of Identity theft and as a results of this a fraudulent account has appeared on all three credit bureaus. This account by the name of XXXXXX/XX/XXXX is reporting late. I have no recollection of this account. At this point I'm requesting for this account to be remove from all three of my credit bureaus

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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed my information with Equifax requesting that my address be updated to report the correct information. I have called and disputed through Equifax 's website as well as the avenues that are given in order to address this issue. I have stated that there should not be any other address on my credit report other than XXXX XXXX XXXX XXXX XXXX OH XXXX. Any other address reporting is obsolete and inaccurate and should be removed as a result. I have attached my identifying documents in order to provide proof of this address update. I am requesting that my address be updated to reflect correct and accurate reporting. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX in particular. I requested this information to be removed because it is incorrect however, Equifax is refusing the removal of this inaccurate information although I am the authorizing person who would have had to identify this address in order for it to report. Again, I am stating that I did not authorize this address to report for it is obsolete and according to the FCRA it should not report.

Company response to consumer: Closed with explanation