vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account information incorrect
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
I am writing to formally file a complaint against Autonation Finance/ CIG Financial , who has reported inaccurate and misleading information on my credit report, violating federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Here is a detailed account of the issue : Loan Origination : I originally obtained an auto loan for {$9600.00} in XX/XX/XXXX with Account Number XXXX FOR CIG Financial Vehicle Return : In XX/XX/XXXX, I returned the vehicle to the lender and expected the loan balance to be adjusted accordingly, given the resale of the vehicle. 

Initial Balance Update : After returning the vehicle, CIG Financial updated the loan balance on my credit report to {$5000.00}, assuming the loan was properly adjusted to reflect the resale value. 

Disputed Balance : In XX/XX/XXXX, XXXX and XXXX of XXXX, I disputed the balance of the loan with the credit reporting agency, as I noticed discrepancies with the reported amount. To my shock and dismay, CIG Financial responded by increasing the balance to $ XXXX balance that is both incorrect and inflated. 

Violation of Federal Laws : This action clearly violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as the reported amount is inaccurate, misleading, and without justification. The increase in balance directly contradicts the documented events of the loan and resale, and it has had a detrimental effect on my credit score and financial standing.

The actions of CIG Financial are wholly inappropriate and, frankly, illegal. I demand that the CFPB investigate this matter immediately and take appropriate actions to ensure that my credit report is corrected and that this company is held accountable for its misleading and unlawful conduct.

To resolve this matter, I am requesting the following : Immediate correction of my credit report to accurately reflect the loan balance after the vehicle return and resale. 
Investigation into the actions of CIG Financial, specifically the wrongful increase of the balance. 
Removal of any negative impact on my credit report caused by these inaccurate reporting actions. 
Appropriate penalties for the violation of federal laws under the FDCPA and FCRA. 
I have attached documentation supporting my claims, including my original loan agreement, return receipt, and correspondence regarding the dispute. 

I expect your prompt attention to this matter and look forward to a timely resolution. Should you need any additional information or documentation from me, please do not hesitate to reach out.

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal dispute regarding an issue with my student loan deferment status and its impact on my credit report. I recently discovered that my student loans were placed into deferment due to missing 90 days of payments. However, I was not made aware of the missed payments or the deferment status because the contact information on file for me was incorrect. As a result, I did not receive the necessary notifications regarding my account status. 

I request that the CFPB assist me in addressing the following issues : Lack of Notice Regarding Missed Payments : I was unaware that I had missed 90 days of payments because I did not receive any notifications, alerts, or correspondence about my student loans. Upon investigation, I found that the contact information associated with my account was incorrect and out of date, which likely resulted in me not receiving these important notices Impact on Credit Report : Despite the deferment, which should have provided relief from payments during that period, my credit reports from Equifax and XXXX show a significant negative hit to my credit score. However, upon reviewing both reports, I noticed that neither report indicates any missed payments or delinquencies on the student loan accounts. This discrepancy between the deferment status and the impact on my credit score is concerning and, I believe, unjust. 
The drop in my credit score seems to be a direct result of the loan servicers failure to update the contact information and properly communicate the deferment status. Although I am in good standing with the loan now, the negative impact on my credit remains unresolved. 
I have already attempted to resolve this issue directly with my loan servicer, but it has not been rectified to my satisfaction. I am now seeking assistance from the CFPB to ensure that this matter is thoroughly investigated and corrected. 

I request the following actions : A review of my student loan deferment status and verification of all communication attempts regarding the missed payments. 
A correction of my credit report, including the removal of any negative impacts that were incorrectly reported due to this issue.

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal dispute regarding an issue with my student loan deferment status and its impact on my credit report. I recently discovered that my student loans were placed into deferment due to missing 90 days of payments. However, I was not made aware of the missed payments or the deferment status because the contact information on file for me was incorrect. As a result, I did not receive the necessary notifications regarding my account status. 

I request that the CFPB assist me in addressing the following issues : Lack of Notice Regarding Missed Payments : I was unaware that I had missed 90 days of payments because I did not receive any notifications, alerts, or correspondence about my student loans. Upon investigation, I found that the contact information associated with my account was incorrect and out of date, which likely resulted in me not receiving these important notices Impact on Credit Report : Despite the deferment, which should have provided relief from payments during that period, my credit reports from XXXX and TransUnion show a significant negative hit to my XXXXredit score. However, upon reviewing both reports, I noticed that neither report indicates any missed payments or delinquencies on the student loan accounts. This discrepancy between the deferment status and the impact on my credit score is concerning and, I believe, unjust.

The drop in my credit score seems to be a direct result of the loan servicers failure to update the contact information and properly communicate the deferment status. Although I am in good standing with the loan now, the negative impact on my credit remains unresolved. 
I have already attempted to resolve this issue directly with my loan servicer, but it has not been rectified to my satisfaction. I am now seeking assistance from the CFPB to ensure that this matter is thoroughly investigated and corrected. 

I request the following actions : A review of my student loan deferment status and verification of all communication attempts regarding the missed payments. 
A correction of my credit report, including the removal of any negative impacts that were incorrectly reported due to this issue.

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would to to have the account removed from my ss m

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sent a money transfer through XXXX using my Venmo account on XX/XX/XXXX. XXXX cancelled the transaction of {$600.00} but until now I still dont see my refund. I chatted with XXXX since they have no phone number and was told they send the money same day but I dont see it on my account. Venmo said theyre filing a dispute and I have to wait until XX/XX/XXXX. This is way too long time of them sitting on my money. I need the money back due to emergency family medical expenses. I cant afford to wait for them to sit on this money. 

My Venmo account information is : Email : XXXX XXXX : XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with 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 — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
There is wrong information. There has been a breach in the system, and there is stuff on my account that should not be there. everything is incorrect. Theres a lot of fraud and Im axing them to erase it.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 1

5 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.

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: EQUIFAX, INC.
State: WV

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : Capital One # XXXX XXXX : Capital One # XXXX XXXX : Capital One # XXXX

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally file a complaint against Experian regarding its failure to conduct proper investigations into consumer disputes, as required by federal law. This issue has not only impacted me personally but has also been highlighted by the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian for similar failures.

Within the last year, I have recently and consistently disputed inaccurate information on my credit report with Experian. Despite providing clear evidence supporting my claim, Experian failed to conduct a thorough and reasonable investigation. As a result, the erroneous information remains on my credit report, negatively affecting my credit score and, consequently, my ability to obtain loans, secure housing, and pursue job opportunities. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must investigate consumer disputes in a timely and responsible manner. Experians failure to comply with this legal obligation constitutes a serious violation of consumer rights and has caused me undue financial and emotional distress.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: EQUIFAX, INC.
State: OH

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Hello, Chase Bank has a nation wide banking error & is reporting business accounts to personal credit report in error. Chase does not report business credit card accounts to personal credit unless it's delinquent. I talked to Chase & they apologize for this error & said they would put in a request with the 3 major credit bureaus, XXXX XXXX, XXXX XXXX XXXX for this account to be removed immediately. However, Chase 's error is causing extreme stress on me because their banking reporting error caused my credit scores to drop XXXX points & I have an over XXXX credit XXXX score on all 3 bureaus. Furthermore, Im in the middle of getting prepared to purchase real estate this month ( XX/XX/year> ) & my credit score being lowered extremely is devastating & will set me back tremendously, delaying me purchasing a new home!! Also, Chase didn't even have the courtesy to send any emails or letters to customers warning us of this error, I just received d notifications from the credit bureaus that my scores drop extremely! This experience is stressful & devastating, I have worked too hard to have a really good credit score & to get in a positive position to buy a home! I was already frustrated with Chase that every time I apply for credit, they pull from 2 bureaus both XXXX XXXX XXXX XXXX & I get 2 inquires instead of just one, every time & I spoke to a supervisor about this & she said to let her know when this happens so they can correct it but nothing has not been corrected & now this, this reporting error is a way bigger issue but Im just exhausted from Chase 's system errors. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My complaint pertains to how difficult is is to get a person on the phone. I do not call often. However, when I do the wait times are beyond ridiculous. Usually my phone battery dies before I am able to get someone of the phone.

Going into the bank is not much easier. The staff are very friendly. But the wait times in the bank are as long as on the phone.

I need to write a check. However, I want to ensure my check book is still active. ( My house had been broken into. I do not write checks often. I want to ensure this book is active and not one I had accidently cancelled after the break in. )

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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
My name is XXXX XXXX and Im a natural woman submitting this complaint on the behalf of myself without any third party being involved. XXXX, XXXX and XXXX is reporting inaccurate, erroneous and fraudulent collection information on my consumer report, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report 3 ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to transaction made by the consumer. 
PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

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: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: VA

Complaint narrative:
This has been reporting on my credit that I owe a balance of {$5500.00}. I have received no notice as to what this balance includes what it is that I owe.

Company response to consumer: Closed with explanation