vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This vehicle was paid off but it's reporting that it was including in a bankruptcy.

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 2025-04-13 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: SC

Complaint narrative:
I never had an auto loan with XXXX. Some how when i paid off my XXXXXXXX XXXX XXXX XXXX XXXX ended up with the title. I never filled out or signed for an auto loan with XXXX. They corrected the matter and sent me a letter stating that the lien has been removed and title would be sent out. They proceeded to put a fraudulent account onto my credit report and claim I owe {$66000.00}. I have the title for my truck, a letter from XXXX stating they removed the lien that was incorrectly put on the truck and a video recording of a phone call ( with XXXX phone number visible during the phone call ) stating that I never had any kind of loan with XXXX. Also this has been deleted over a dozen times and continues to show back up.

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 2025-04-13 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: SC

Complaint narrative:
I never had an auto loan with XXXX. Some how when i paid off my XXXX XXXX XXXX XXXX  XXXX ended up with the title. I never filled out or signed for an auto loan with XXXX. They corrected the matter and sent me a letter stating that the lien has been removed and title would be sent out. They proceeded to put a fraudulent account onto my credit report and claim I owe {$66000.00}. I have the title for my truck, a letter from XXXX stating they removed the lien that was incorrectly put on the truck and a video recording of a phone call ( with XXXX phone number visible during the phone call ) stating that I never had any kind of loan with XXXX. Also this has been deleted over a dozen times and continues to show back up.

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 2025-04-13 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: SC

Complaint narrative:
I never had an auto loan with XXXX. Some how when i paid off my XXXX XXXX XXXX XXXX XXXX ended up with the title. I never filled out or signed for an auto loan with XXXX. They corrected the matter and sent me a letter stating that the lien has been removed and title would be sent out. They proceeded to put a fraudulent account onto my credit report and claim I owe {$66000.00}. I have the title for my truck, a letter from XXXX stating they removed the lien that was incorrectly put on the truck and a video recording of a phone call ( with XXXX  phone number visible during the phone call ) stating that I never had any kind of loan with XXXX. Also this has been deleted over a dozen times and continues to show back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: PA

Complaint narrative:
I am writing to file a formal dispute and complaint regarding inaccurate and inconsistent credit reporting on my XXXX XXXX XXXX XXXX account, which is currently being reported by TransUnion and Experian. This account is being misrepresented in a way that violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I am requesting immediate deletion of the account from both credit reports. 

Account Details : Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Experian Account # : XXXX Inaccuracies Identified : Transunion Open Date XX/XX/XXXX High Credit Limit {$20000.00} Date Last Active XX/XX/XXXX Equifax Open Date XX/XX/XXXX High Credit Limit These discrepancies are material, misleading, and directly impact my credit profile and lending opportunities. The inconsistent data across both credit bureaus suggests a lack of reasonable procedures to ensure accurate reporting, in clear violation of : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation upon notice of dispute.

15 U.S.C. 1681s-2 ( b ) Furnishers failure to correct and update inaccurate information after notification of a dispute. 

Furthermore, Experian has previously been fined by the Consumer Financial Protection Bureau ( CFPB ), including a {$3.00} XXXX fine in XXXX, for misleading consumers and failing to properly investigate disputes, a pattern of behavior that appears to continue in this case. 

Action Requested : I am requesting the immediate deletion of this account from both TransUnion and Experian due to : 1. Conflicting and inaccurate reporting of critical account data.

2. Failure by the data furnisher to maintain consistency across bureaus.

3. Failure by the credit reporting agencies to validate and correct the data per FCRA requirements.

Should these violations not be resolved within the 30-day window as required under 15 U.S.C. 1681i, I reserve the right to pursue all available legal remedies, including statutory damages, attorneys fees, and punitive damages under 15 U.S.C. 1681n and 1681o.

Please investigate this matter immediately and ensure full compliance with federal consumer protection laws. I request written confirmation of your actions and a resolution to this dispute.

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 2025-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I applied for a loan online to check and go for {$1100.00} I was approved for never received contract agreement payment amount due date and access to the sign in XXXX with XXXX company is XXXX XXXX XXXX use the third party sign in to a obtain information can't log in says account doesn't exist contacted company escalated with it got a reference number a response back saying to use a laptop does not work still have issues from day one when I applied for the loan on XX/XX/XXXX and to this day I can not make a payment or do anything with the company and they're sending me notices of late payment through pocket XXXX which I don't have access to using predatory practices hired debit settlement company XXXX XXXX XXXX entered to the company in limited power of attorney and revoke XXXX company responded back saying they're not participating and I'm being charged and outrageous XXXX of $ XXXX  % everyday that goes by and no cooperation from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Scammer took money from my account ; and the bank and merchant that they use refused to refund the unauthorized funds. They use my account to deposit a small funds of XXXX, then proceed and withdraw XXXX from XXXX to XXXX. These were all unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Check my credit reports and saw two inquiries I didn't recognize.

Contacted the creditors and they said to contact to the reporting agency.

Credit reporting agency said I needed a police report or FTC Identity Theft report, copy of my drivers license, Social Security Card, and utility bill or bank statement.

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 2025-04-13 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: SC

Complaint narrative:
I am writing to file an urgent and serious complaint regarding the gross mishandling of my personal information by Equifax, which resulted in a massive data breach that compromised the sensitive data of over XXXX XXXX XXXX  including mine. 

As a direct victim of this breach, I have reason to believe that this unauthorized exposure of my data has led to negative consequences on my credit reports maintained by Equifax, Experian, and TransUnion. I hold these reporting agencies responsible for failing to protect my information, and I am now demanding immediate corrective action.

Let me be explicitly clear : All negative and derogatory items currently listed on my credit reports with Equifax, Experian, and TransUnion must be removed within four ( 4 ) business days of receipt of this letter. These accounts are tainted by the breach of trust and data integrity caused by Equifaxs negligence, and I will not accept further damage to my financial standing as a result. 

I am prepared to escalate this matter through legal action, media exposure, and congressional complaint channels if necessary. I am also prepared to hold each credit bureau accountable for any continued reporting of harmful data that resulted from this breach. Enough is enough.

Attached are supporting documents including my identity verification, breach notification from Equifax, and recent credit reports highlighting the negative entries in question. 

Failure to act immediately will result in a formal lawsuit for damages, including but not limited to, emotional distress, financial harm, and failure to secure personal consumer data. The negligence that allowed this data breach to occur should not and will not be tolerated without accountability. 

I expect a confirmation of receipt and notification of action taken no later than XX/XX/year>

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 2025-04-13 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: SC

Complaint narrative:
I am writing to file an urgent and serious complaint regarding the gross mishandling of my personal information by Equifax, which resulted in a massive data breach that compromised the sensitive data of over XXXX XXXX XXXX  including mine. 

As a direct victim of this breach, I have reason to believe that this unauthorized exposure of my data has led to negative consequences on my credit reports maintained by Equifax, Experian, and TransUnion. I hold these reporting agencies responsible for failing to protect my information, and I am now demanding immediate corrective action.

Let me be explicitly clear : All negative and derogatory items currently listed on my credit reports with Equifax, Experian, and TransUnion must be removed within four ( 4 ) business days of receipt of this letter. These accounts are tainted by the breach of trust and data integrity caused by Equifaxs negligence, and I will not accept further damage to my financial standing as a result. 

I am prepared to escalate this matter through legal action, media exposure, and congressional complaint channels if necessary. I am also prepared to hold each credit bureau accountable for any continued reporting of harmful data that resulted from this breach. Enough is enough.

Attached are supporting documents including my identity verification, breach notification from Equifax, and recent credit reports highlighting the negative entries in question. 

Failure to act immediately will result in a formal lawsuit for damages, including but not limited to, emotional distress, financial harm, and failure to secure personal consumer data. The negligence that allowed this data breach to occur should not and will not be tolerated without accountability. 

I expect a confirmation of receipt and notification of action taken no later than XX/XX/year>

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 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: CT

Complaint narrative:
I was contacted by XXXX, Connecticut XXXX XXXX XXXX, that I had multiple accounts opened at PNC. I'm a senior on a fixed income and receive social services and have never opened any account with this bank. Because these accounts were opened, which were opened in XXXX, PA, Ive never been there in my life, and now social services and Medicaid are cutting off my services for accounts I never opened. PNC said they need 90 days to investigate but I want these accounts closed immediately as afford to lose my service. I haven't opened any accounts at any bank so this has to be taken seriously, I told them and they're just dragging their feet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My application was denied and I have an account with them already. I would like to be approved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX Equifax for Failure to Conduct a Proper Investigation and Mishandling of Dispute Documentation I am filing a formal complaint against Equifax for failing to conduct a proper investigation into the disputes I submitted and for mishandling the documentation I provided. 
On XX/XX/XXXX, I mailed a dispute letter to Equifax via USPS Certified Mail ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ). The purpose of my dispute was to address inaccurate personal information and account data being reported on my Equifax credit file. To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address Despite submitting all required documentation, I received a response from Equifax on XX/XX/XXXX, stating : We have received your request concerning inaccurate information on your Equifax credit file. The documents you provided were illegible. 
This response is unfounded, as all documents submitted were clear, complete, and met identity verification requirements. Equifax has failed to acknowledge or investigate the specific issues raised in my dispute, which is a violation of its obligations under the Fair Credit Reporting Act ( FCRA ). 
The FCRA requires credit reporting agencies to conduct a reasonable and timely reinvestigation of any disputed information. Equifaxs failure to review the materials properly and initiate an investigation reflects noncompliance with this federal mandate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Capital One closed my bank account around XX/XX/year>. I have still not received my remaining balance via check!! At first they said it was because there was a claim opened that I had ALREADY CANCELED before my account was even closed. The claim money has already been reversed and settled so there is zero reason why they should be holding my money. The ONLY money in that account is my paycheck from my job! I got my checks direct deposited to capital one. Now capital one is holding onto my wages. Send me my check immediately or I am filing via small claims court to collect my funds. This is illegal. Its supposed to take 10-12 days to send these funds, but yet, nothing has been sent and my money is still showing on my online banking. Nobody over the phone is giving me any info and 2 people hung up because no further info can be provided when inquiring about when my check will be sent! On top of not mailing me my funds that do no belong to capital one, they have been decreasing/WITHDRAWING interest from my balance! So my balance is decreasing and I have zero control over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My application was denied and I have an account with them already. I would like to be approved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: HI

Complaint narrative:
I noticed a debt on my credit report from last month and I never missed a payment for any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Vehicle was sold without my permission, and balance was suppose to be taken off owed amount, however there now stating car was abounded which it was not it was totaled, they now want me to pay full price for a car I don't have

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting inaccurate information on my credit report relating to 2 filed Bankruptcies in the same year. I've attempted several times to have this information removed but they will not remove this information. I have requested a Debt validation from them in the past but they have yet to send me one. 



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 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: GA

Complaint narrative:
I am on the XXXX plan but Mohela is adding interest to my loans every day I have emailed and called XXXX and they wont fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: CT

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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