vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX  XXXX XXXX XX/XX/year> {$5000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TRANSUNION SHOWING ACCIDENT REPORT ON MY PERSONAL REPORT. i DID NOT INVOLVE ANY ACCIDENT OR CLAIM ANY INSURANCE. WHEN i AM GETTING NEW INSURANCE XXXX, XXXX SHOWING I INVOLVED ACCIDENT. XXXX  REPORTING XX/XX/year> REPORT NOT CORRECTED INFORMATION. TRANSUNION NOT REMOVING WRONG INFORMATION. iT IS BULLYING FOR MORE PRICE. IT IS SHOWS XXXX CORRECTED INFORMATIN REFLECTING PRICE OF MY INSURANCE.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested experian to provide with me proof of contacting XXXX XXXX and provide me with the information the actual paperwork that the company used to verify and validate the fraudulent XXXX  they are reporting against my with XXXX XXXX  which is unverified and not valid. I am Victim of identity theft and someone has been impersonating to be me. Filing information in my name and opening accounts. I have notified Experian XXXX XXXX and all credit bureaus and credit card companies.

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 2025-02-26 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: LA

Complaint narrative:
Dated back to XX/XX/2024. I had the account closed in XXXX and in XXXX I asked to be placed in a credit counseling program to pay off the debt so I would not be charged for any fees. But I continually got charged late fees and 30  days late on my credit reports.

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 2025-02-26 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: MO

Complaint narrative:
On XX/XX/XXXX I mailed a dispute letters to Equifax requesting for my personal information that they're reporting be corrected due to it being inaccurate. Attached to this letter was a copy of a current utility bill and social security card. In response I received a letter dated XX/XX/XXXX from Equifax stating that they received my request but was unable to comply due to my documents being illegible. I truly feel that this was just a tactic used to prolong the issue. XX/XX/XXXX I mailed off a reply letter demanding that they stop prolonging and take care of the issue in hand, or I would be taking further action if it wasn't handled within XXXX business days of the dated letter. As of today XX/XX/XXXX I haven't gotten a response. I will attach ALL communications from myself and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: MI

Complaint narrative:
XXXX XXXX I call XXXX  XXXX because it was showing on my credit report that I was 60 day late, I Call them to discuss late payments on my account he stated I was 57 days past due, and I told him he was wrong, so I asked him why have they had 60 days late on my credit report when payment is not due till the XXXX, I also told him I was recording the conversation and after that he refused to help me any further, according to the 1666B FCRA what they are doing is against the law, I want my account updated now to never late and the 30 and 60 day late 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 non-monetary relief
Consumer complaint received 2025-02-26 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: MI

Complaint narrative:
XXXX XXXX I call XXXX  XXXX because it was showing on my credit report that I was 60 day late, I Call them to discuss late payments on my account he stated I was 57 days past due, and I told him he was wrong, so I asked him why have they had 60 days late on my credit report when payment is not due till the XXXX, I also told him I was recording the conversation and after that he refused to help me any further, according to the 1666B FCRA what they are doing is against the law, I want my account updated now to never late and the 30 and 60 day late removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$730.00} Open Date XX/XX/year> 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 2025-02-26 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: Velocity Portfolio Group
State: NC

Complaint narrative:
There are a lot of creditors on my report. They have reported inaccurate information. The accounts are not mine.

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 2025-02-26 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: CL Holdings LLC
State: NC

Complaint narrative:
There are a lot of creditors on my report. They have reported inaccurate information. The accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
On XX/XX/XXXX I ended up signing a contract with the company XXXX XXXX for resume bulding and advisor services. The contract is so stringent they do not allow refunds. They do not have any previews of what the services are about. To find out that XXXX  can do everything they do in a matter of seconds does not justify the thousands of dollars this company charges for the services they claim to provide. Therefore I requested to cancel because it is a legitimate legal scam that this company does, to lure the phDs through a satirical and narcissistic way to tell the other candidates that they're doing a poor job in managing their social media XXXX account, which again, everything can be improved as a subscribed account owner for a fraction of the cost. Therefore, the services they sell are a cheating scam for those who they can sell to. The company decided they did nothing wrong and that I signed a non-refundable contract so they get to keep their money, even though they stopped providing me the services when I requested the refund. Then, the credit card company Barclays XXXX XXXX, conducted their investigation after we requested a dispute of the charge, and they sided with the company 's response that they did nothing wrong and did not allow the refund or the charge dispute. And it was my spouses credit card and not mine, so that was another issue that the credit card company did not adhere to consider.

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 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
bmo did not respond to me verifying the debt but told me they sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX i sent a letter to XXXX XXXX telling them to validate the debt, they did not answer me, i then received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX telling me XXXX XXXX sold the account to XXXX XXXX. I asked them to validate the debt and got no answer. 

A company can not legally sell the same debt to two different debt collectors at the same time. When a debt is sold the purchasing debt collector gains the legal right to collect on it. If a company were to sell the same debt twice, it could result in legal disputes and violations of consumer protection such as the fair debt collection practices act.

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 2025-02-26 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-02-26 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-02-26 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC
State: KY

Complaint narrative:
I took out a loan with this company on XXXXThere was an error the company can see where while I have signed a contract on my side it was not signed in their system. The loan never funded and they verified this. A ticket was put in. I asked for a copy of the ticket and was told I could not have it. I have asked for this to be resolved and was told that it would be cancelled. I keep calling for updates and no one can provide me with information. I keep getting told I have to wait but they intend to pull their payment when it is due. No one will call be back or give me the information I have requested. I need a copy of the ticket and am being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX there was transactions fraudulent under my account and when I reported them they reversed some transactions. I told them I didn't want them to process these ACH transactions which they worked on it for a year. Due to religion vacation I was not aware of my transactions, until this occurred again. I called again to report them and again in XX/XX/XXXX to report this for 2 months and the bank would still approve them, my account was even overdraft to a point. It is unprofessional on the fraud department how they handle this fraudulent transactions. They are not under my name nor I recognize the institutions. I don't live in the state so I don't get bank statements. I have transactions alert on and I don't receive them nor on my phone or email. 


I ALREADY RESPONDED TO ALL THE BANK LETTERS https : XXXX Im not the only one the bank is a fraud they scam money from their clients, and not giving them back i dont know what to do the consumer financial prootection bureau you suposed to be on my side why you close my case its the 5th time I open the case I want my money back I do not care what the bank said if my money is in the bank it should be secure, not so easy to cash out without my autorization I do not care

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 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: PA

Complaint narrative:
I am writing to express my concern about a recent experience I had while trying to establish a consumer credit transaction from Carvana. I was asked to make a substantial down payment as part of the consumer transaction, which I believe is in violation of 15 U.S. Code 1662. 

According to 15 U.S. Code 1662, no advertisement to aid, promote, or assist, directly or indirectly, any extension of consumer credit may state that a specific periodic consumer credit amount or installment amount can be arranged unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. Furthermore, it states that it is unlawful to state that a specific down payment is required in connection with any extension of consumer credit unless the creditor usually and customarily arranges down payments in that amount. 

15 U.S. Code 1605 - Determination of finance charge TRUTH IN LENDING ACT 15 USC 1601-1666 15 U.S. Code 1662 - Advertising of downpayments and installments As a consumer, I have the right to be protected from unfair and deceptive practices, as outlined in the Consumer Bill of Rights, which includes the right to be informed, the right to choose, and the right to be heard. As a potential customer, I am concerned that this practice may be unfair and potentially harmful to consumers who rely on transparent credit arrangements. 

Upon receipt of funds from my Social Security trust, I request that all titles and registrations be placed in my name and delivered into my possession at the time of vehicle delivery. Furthermore, I would like all applicable taxes and surcharges associated with this purchase to be paid directly from my Social Security trust.

I kindly request that you review this matter and provide an explanation as to why I was asked to make a substantial down payment in this instance. I trust that Carvana is committed to upholding the highest standards of fairness and transparency in its credit transactions and respecting consumer rights.

In addition, I would like to clarify that I intend to use this vehicle for personal purposes, not as a commercial vehicle. Thus, I believe that providing my state ID should not be a requirement. Furthermore, I would like to include auto insurance, life insurance, and gap insurance in the financing of this purchase, ensuring that all parts of the vehicle are covered and insured, as the vehicle is 2 years old and no longer under its original warranty. Lastly, I would like to utilize a bill of exchange as a legal form of tender for the purchase of this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
Lincoln Automotive Financial Services, finances my current XXXX XXXX XXXX. Account XXXX XXXXXXXX. Begining XXXX XXXX, XXXX, on my account page appeared an offer to " Buy a New XXXXXXXX XXXX XXXX XXXX for {$770.00} per month for XXXX  months - XXXX estimated equity value of {$13000.00} '' ( I have a screen shot of the offer displayed ) I made several calls to Lincoln Financial Customer service departments resulting in Case XXXX  XXXX & being referred to the local dealership to complete the deal. Multiple communications with XXXX XXXX have failed in producing the deal. They have made several offers with different model XXXX  vehicles, and lease options, but say they can not make the deal offered on the site. The dealership states that Lincoln Financial is incorrect. 
I have not heard back from Lincoln Financial about my case & communication with the dealership stopped on XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief