vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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.

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: MD

Complaint narrative:
I opened an account with discover bank they did an hard inquiry, then for no reason they forcefully closed my account even though I made all payments on time it dropped my credit score so I want to remove the hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Nelnet is reporting JXXXX XXXX XXXX day late payment on XXXX accounts. There is no amount due at this time. I was never notified of XXXX day or XXXX day late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NJ

Complaint narrative:
In XX/XX/XXXX, I notice that someone changed my email address and phone number, and I reached out to Experian for help and to change it back in XX/XX/XXXX. Experian told me to verify my information by upload my ID and SS card and copy of Bill, which I did in XX/XX/XXXX, and I did it again on XX/XX/XXXX. 

I called XX/XX/XXXX, to see the status on my account and was told my case ( XXXX ) was closed ( not sure why ) and Experian could not give me a reason why. Now, today, XX/XX/XXXX, I was giving a new case number ( XXXX ) and to upload my information again. 

This situation is very frustrated. I need to fix my account. Any help with this would be appreciated it. 

Thank 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 2025-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
My payment was due in a Saturday, XX/XX/XXXX, payments arent processed over the weekend. I understand I made a mistake not paying it prior to the week and would receive a late payment. A late payment was added to my account on XX/XX/XXXX for {$37.00}. My payment the following Monday, XX/XX/XXXX was made to pay everything owed. Which should have left me going into XXXX with no balance forward. XXXX I have {$37.00} from XXXX, {$2.00} minimum interest charge, {$6.00} interest charge to equal a total of {$43.00} plus a {$37.00} late fee with another {$2.00} minimum interest charge for a total of {$82.00} now owed. 

I called to ask if the late fee for XXXX could be removed ( which Ive never asked for before ) out of good faith since it was my understanding that it should have been included in my payment. Which in turn should eliminate other charges as well. I spoke with a kind woman who after speaking with her supervisor said she could remove that late charge but the other charges would remain so I asked to speak with that supervisor because I didnt feel like my complaint was being understood. That supervisor told me he only could offer me a {$15.00} credit as he couldnt remove a late fee and if I needed help on this matter that I would need to hang up and go online and message someone. I shouldnt have to hang up to message someone after speaking with XXXX people. I told him after hearing that XXXX contemplating closing my card and he informed me if close my card he cant remove my late fee. When I asked for clarification on if it was a late fee removal and a credit he was offering he said no and that this wasnt a productive call and hung up on me. 

It is predatory to add on fees before a payment is made and to not have that included in the payment when opting to pay off the entire card and it is predatory to only offer removing a late fee if I keep my account open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
In XXXX I received a faulty/junk car from XXXX XXXX in XXXXXXXX XXXX XXXX When I noticed it was having issues, I made them aware and took it to their garage. They gave it back and said there was nothing wrong with it. I ended up taking it to a XXXX dealership, where they said XXXX XXXX put the wrong transmission fluid in it. I got a receipt, then XXXX XXXX finally took very minimal action. They drained the transmission fluid to put the right fluid in, and didn't replace the transmission. I ended up having the same issue shortly after. The vehicle would heat up, and wouldn't do the speed limit. I tooo it to them 2 or 3 times for them to say " nothing is wrong with it '' I ended up getting tired of them doing nothing, so I returned the car and all of my payments were up to date and on time. Now, years later it is posted as a collections on my credit report and I'm pretty sure at this point/with these circumstances it should definitely be off. I believe it's been about XXXX years anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my 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 | 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 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 2025-02-19 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: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year> I noticed a charge from XXXX XXXX I can not have a XXXX XXXX account as I owe them money. I do not understand where these charges came from, I then looked further and noticed unauthorized charges from fanatics sportsbook, and another called XXXX  XXXX. I noticed as well a duplicate charge for something I did pay for. I filed a dispute on all these charges. Only to get denied. I do not understand why they denied this claim when I did not authorize these charges. In total the unauthorized charges come to {$570.00} This was literally all the extra I had to get me through the month. The only charge they refunded was the double charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Car purchases through XXXX financing company Bridgecrest. 

Interest rate is 24 %. Monthly payment is {$1000.00}. Due to high interest rate only something like XXXX XXXXXXXX {$300.00} goes to the actual balance. I have made 16 payments of {$1000.00} and the principal balance is still $ XXXX. 

This loan is essentially imposssible to pay off. I have tried to refinance and due to XXXX I have been turned down multiple time. 

I have never missed a payment but struggle to make it every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prince Parker & Associates
State: AL

Complaint narrative:
On XX/XX/year>, I sent a Debt Validation Letter to Prince Parker & Associates requesting written proof that the alleged debt is valid and that I am legally responsible for it. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request validation before any debt can be reported. 

Despite my request, the company failed to provide validation but still reported the debt on my credit report, which is a violation of federal law. This inaccurate and unverified information is damaging my credit, and I am requesting its immediate removal. 

Additionally, I have been receiving harassing calls from Prince Parker & Associates, but when I answer, there is no response from their agents. 

Since the company has failed to provide the legally required validation but still reported the debt, I am requesting that the CFPB investigate this matter and take action to have the debt removed from my credit report immediately. 

Thank 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 2025-02-19 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
I am submitting this formal complaint regarding fraudulent activity committed by XXXX XXXX XXXX and XXXX XXXX XXXX in connection with a vehicle financing transaction. Specifically, I am alleging that both parties engaged in fraud and forgery on the credit application without my knowledge or authorization.

Details of the Fraudulent Activity : 1. Unauthorized Use of Personal Information The financing application was supposed to be processed solely under my business entity using its XXXX. However, XXXX XXXX XXXX and XXXX XXXX XXXX submitted the application using my personal Social Security number ( SSN ) without my acknowledgment or consent. 
2. Forgery of My Signature Upon reviewing the credit application, I discovered that my signature was forged on the documentation. There are multiple different signatures on the hard copy, which clearly indicate fraudulent activity.

3. Misrepresentation and Deceptive Practices At no point did I authorize the use of my personal credit for this transaction. The dealership and financial institution knowingly and fraudulently altered the application to include my SSN, exposing me to unauthorized debt and liability.

Requested Resolution : I request the immediate cancellation of this fraudulent credit application and loan agreement due to the unauthorized actions taken by XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally, I request a formal investigation into these deceptive practices, along with any necessary corrective actions, including : Removal of this fraudulent account from my credit report. 
A full refund of any funds paid due to this fraudulent agreement. 
Legal action or penalties against the responsible parties for engaging in fraudulent conduct. 

I am prepared to provide any supporting documentation, including copies of the forged application, to substantiate my claims. I expect a prompt and thorough investigation into this matter. Please confirm receipt of this complaint and provide next steps regarding how this issue will be resolved.

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 2025-02-19 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: GA

Complaint narrative:
I am submitting this formal complaint regarding fraudulent activity committed by XXXX XXXX XXXX and XXXX XXXX XXXX in connection with a vehicle financing transaction. Specifically, I am alleging that both parties engaged in fraud and forgery on the credit application without my knowledge or authorization. 

Details of the Fraudulent Activity : 1. Unauthorized Use of Personal Information The financing application was supposed to be processed solely under my business entity using its XXXX. However, XXXX XXXX XXXX and XXXX XXXX XXXX submitted the application using my personal Social Security number ( SSN ) without my acknowledgment or consent. 
XXXX. Forgery of My Signature Upon reviewing the credit application, I discovered that my signature was forged on the documentation. There are multiple different signatures on the hard copy, which clearly indicate fraudulent activity. 
XXXX. Misrepresentation and Deceptive Practices At no point did I authorize the use of my personal credit for this transaction. The dealership and financial institution knowingly and fraudulently altered the application to include my SSN, exposing me to unauthorized debt and liability. 

Requested Resolution : I request the immediate cancellation of this fraudulent credit application and loan agreement due to the unauthorized actions taken by XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally, I request a formal investigation into these deceptive practices, along with any necessary corrective actions, including : Removal of this fraudulent account from my credit report. 
A full refund of any funds paid due to this fraudulent agreement. 
Legal action or penalties against the responsible parties for engaging in fraudulent conduct. 

I am prepared to provide any supporting documentation, including copies of the forged application, to substantiate my claims. I expect a prompt and thorough investigation into this matter. Please confirm receipt of this complaint and provide next steps regarding how this issue will be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NC

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/XXXX {$2900.00} worth of fraudulent purchases were made with my credit card. 
XX/XX/XXXX I was alerted by Bank of America about the suspicious charges. They started an investigation. 
XXXX Several packages arrived at my home that I did not order. They matched the company names for fraudulent purchases. 
XX/XX/XXXX B of A denied my claim and {$2900.00} was charged back to my account. 
XX/XX/XXXX I filed a police report and called to re-open the B of A claim. 
XX/XX/XXXX I was notified B of A approved 2 of the claims but denied 3, leaving me with a balance of {$1400.00} of fraudulent charges on my account.

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 monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
I requested check disbursement of my own money from Optum Bank. I called multiple times to verify when and where the check would be dispersed and to verify address. On XXXX separate occasions they verified that the check was sent to my address. I called again once XXXX days passed and the new agent verified that the check was sent to wrong address. I called XXXX more times was promised that I would speak with supervisor and receive email as escalation. I was also informed that now it would take XXXX to XXXX business names to cancel check and have direct deposited to my linked account. I can not or should not have to wait. This has been dragged out now XXXX business days to receive my own money. I need the funds for medical reasons and I have been pushed around and never had follow through for resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-19 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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