vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had a debt with XXXX XXXX that was paid on XX/XX/XXXX. On XX/XX/XXXX my car was XXXX by Pentagon Federal Credit Union in XXXX XXXX XXXX claiming that they have XXXX on my vehicle. The repossession was illegal since it was paid vehicle and it happened while XXXX pandemic repossession moratorium was in effect. I did not have money for a lawyer and I misplaced my receipt proving my car was paid off. I did not knew my rights so I did not take any action.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX {$64000.00} was fraudulently wired from my bank account and sent to Wells Fargo. My bank ( XXXX XXXXXXXX XXXX  ) was notified within XXXX mins of the wire. XX/XX/XXXX Wells Fargo wired {$24000.00} back to my account. Wells Fargo has not supplied any explanation. I would like to see a timeline on when they got the Fraud alert and when they froze the account and stopped the fraud. I have {$39000.00} stolen from me. I would like to know if Wells Fargo acted quickly to the fraud alert or if they aloud the fraud to take place, due to apathy or incompetence.

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 2025-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to formally request the removal of an account from my credit report that was reported by XXXX ( or the issuing financial institution ). The account was previously marked as but the outstanding balance has been fully paid. Despite this, the account remains on my credit report, negatively affecting my credit standing. XXXX has stated that it was reported as a loss and they paid the balance. 

The details of the account in question are as follows : XXXX XXXX : XXXX I have attempted to resolve this matter directly with the creditor, but the issue remains unresolved. Since the balance has been paid, I believe the continued reporting of this account is inaccurate and unfairly impacting my credit. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be investigated and removed from my credit report accordingly. 

Please review this matter and update my credit report to reflect the accurate status of the account. 

I appreciate your prompt attention to this matter. Please provide me with a written response regarding the steps taken to resolve this issue. 
Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
I have not supplied proof under the 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 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding an unauthorized and inaccurate collection account being reported on my credit file by Equifax. I have already exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by formally requesting that the debt collector cease all communication with me, as outlined in 15 U.S.C. 1692c ( c ). Despite this, they continue to report the account to the credit bureau, which is a direct violation of my rights and negatively affects my credit score and financial standing. This also constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as the information being reported is both inaccurate and unlawfully maintained after my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
I am citing financial XXXX from Gateway Mortgage. 

This has been an on-going issue for several months to no avail. I have previously looped in the CFPB, FDIC and now the CFPB again. 

The following mortgage statements have been either incorrect, received late or I never received, which again, I have informed Gateway Mortgage multiple times and is a form of financial XXXX  : - XX/XX/XXXX ( incorrect amount due ) - XX/XX/XXXX ( incorrect amount due ) - XX/XX/XXXX ( incorrect amount and received late on XX/XX/XXXX ) - XXXX XXXX ( incorrect amount due, created on XX/XX/XXXX and received XX/XX/XXXX ) - XX/XX/XXXX ( never received ) - XX/XX/XXXX ( incorrect amount due and received late on XX/XX/XXXX ; see attachment of XXXX example of the financial XXXX  I have been dealing with for months and months, and now they are claiming I am 'delinquent ' on my February 2025 monthly statement. 

This also includes fund being applied incorrectly, which again I have communicated to Gateway Mortgage to no avail. 

Gateway Mortgage is also withholding funds that I have been due for months due to retaliation and financial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NEWREZ MY MORTAGE SERVICE PROVIDER PULL A PAYMENT FROM A BANK ACCOUNT I NEVER GAVE THEM INFORMATION ABOUT OR PERMISSION TO PULL ON XX/XX/year>. PER THEM A SYSTEM GLITCH CAUSED THIS. I CALLED ON XX/XX/year> TO REPORT THIS GLITCH AND INFORM THEM OF THEM PULL MONEY FROM A BANK ACCOUNT I DID NOT GIVE THEM PERMISSION AND TO NEVER DO THAT AGAIN AND THAT IF IT BOUNCE MY BANK ( DIDNT HAVE THE FUNDS FOR THIS ) THAT THEY WOULD NEED TO COVER ANY FEES. THEY STATED NO PROBLEM AND IF THERE WAS A FEE TO CONTACT THEM AGAIN AND THEY WOULD COVER IT. INSTEAD OF THAT THEY XXXX UP AGAIN AND DECIDE TO " REFUND '' ME FUNDS THAT NEVER TOOK PLACE. I CALLED YESTERDAY XX/XX/year> TO TELL THEM EVERYTHING THEY DID TO MY ACCOUNT AND THEY HAVE STATED I HAVE TO GET BANK STATEMENTS AND IF MY CREDIT REPORT IS MESSED UP I HAVE TO PROVDE IT AND ME. ON TOP OF THAT WHEN TALKING TO THEM THEY WERE SO DISRESPECTFUL I FILED A COMPLAINTON THE XXXX. ARE YOU KIDDING ME???? THEN WHEN I ASKED IF IM GON NA GET ANY REIMBURSEMENT OF MY TIME AND IF THEY ARE GON NA FIX MY CREDIT REPORT IF ITS DAMAGED THEY WERE SO NON-CHALANT ABOUT IT. XXXX THAT. I WILL BE ATTACHING EVERYTHING FOR YOU TO SEE AND I WANT REPERCUSSION FOR THIS DEEP BREACH OF CONTRACT. I FORMALLY REQUESTED DOCUMENTATION 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 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase has an " Offers '' program, where they partner with merchants to give additional rewards to customers who shop at these merchants after opting-in through a portal. At the end of last year, Chase ran a promotional offer with XXXX XXXX XXXX  ), where my offer was : Spend {$400.00} or more at XXXX on or before XX/XX/XXXX and receive a {$200.00} statement credit. From what I understand, all Chase Sapphire credit card customers were eligible for this offer ( with XXXX and XXXX customers having varying " spend and get '' amounts ). 

I made my purchase on the morning ( eastern time ) of XX/XX/XXXX - my final cart total was {$440.00}. 

I waited XXXX weeks and saw no indication of a credit being posted - I called Chase XXXX XX/XX/XXXX to inquire. A customer service rep told me that they were being flooded with complaints about this specific Backcountry offer and told me resolutions would occur in XXXX. Based on the details of my transaction, he also assured me I'd be eligible for the credit. I was given an escalation ticket number that I could reference in the future ( ticket number : XXXX ). 

I didn't received any electronic form of communication regarding the matter, and called again on XX/XX/XXXX. It took multiple calls to be able to speak with a representative. I was told my claim was denied, but given no reasoning behind it. I was told that only a physical letter was sent as a response. 

The documents I've attached are my email confirmation from XXXX on when I made the purchase, as well as a screenshot of the deal terms from the Chase Offers program. 

Credit card companies are all in a race to scale " bank marketing '' offers as an alternative form of revenue to interchange, interest, and fees. As banks scale these affiliate marketing offers to their credit card customers, it's imperative that they be held to strict standards of ensuring that the promised rewards are delivered to the end customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: WA

Complaint narrative:
The particular lender is American Credit Acceptance. I bought this car in XXXX for {$21000.00}. The terms were XXXX months at 24.99 %. My monthly payment is {$590.00} which also has a processing fee as well. Buying the car in XX/XX/XXXX it is now XX/XX/XXXX and I have only paid off {$2600.00}. After almost XXXX years I still owe {$19000.00}. The past few days I have tried to refinance. But I am unable to secure a refinance because after XXXX years of depreciation my car is only worth around {$10000.00}. I need help I have even asked American Credit Acceptance to please help me restructure and they said they do not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: MT

Complaint narrative:
Escrow did not pay insurance premium on time and insurance will cancel policy if I dont pay again XXXXnsurance Policy due XX/XX/XXXX. Policy bill sent XX/XX/XXXX insurance bulk payment sent by escrow to insurance company XX/XX/XXXX and this did not give enough time for the payment to be received. Therefore insurance co sent policy expiration notice on XX/XX/XXXX. I called XXXX and insurance payment still not received. I paid XXXX the premium today out of person funds. Escrow refuses to overnight money to insurance company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XX/XX/year> @ XXXX, I received a letter from Synchrony Bank that they have closed my JCPenney 's account due to " high risk failure to pay ''. I then called Synchrony and asked to speak with management to explain to me where they received this information, and I would like my credit card immediately reinstated. I then XXXX XXXX at Synchrony, who states she can not do this due to my account was closed. I asked to have it re-opened and she can not do this as well, she can only send a letter to corporate, and this will take approximately XXXXdays for a response. To reach Corporate you can only send a Fax # XXXX or letter, as ( they have no phone number )? I asked XXXX where she got her information about me being " high risk '', XXXX said XXXX. XXXX said there was an issue, but she did not know. I expressed to XXXX that this is a lie, and I do not appreciate having my character defamed. I asked XXXX is their fraud on my account. XXXX said no. I asked XXXX are there any outstanding balances that I am unaware of, XXXX said no, you paid you balance on time. I said I will contact XXXX. XXXX XXXX I XXXX XXXXXXXX with XXXX XXXX he stated I have zero derogatory remarks on my credit however my JCPenney Synchrony account is gone! My account is no longer showing on my credit report. XXXX from XXXX is mailing me a letter about this account. XXXX also said I should contact the CFPB and I can report this if I like. XXXX XXXX Contacted Synchrony once more, could not find XXXX XXXX so I XXXX XXXX in management XXXX My account has not been reinstated, XXXX said that can take up to 60 days. I expressed to XXXX to please note that I will be contacting CFPB and if I need to go further the XXXX XXXX XXXX office. That they can not insult and attack someone's character and defame me and ruin my credit going forward if I do not hear back in a timely manner.

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 2025-02-07 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
NCB Management has an open account on my credit reports the debts reported on my credit report are invalid for the following amount {$1600.00} this account was included in my XXXX XXXX bakruptcy which was XXXX on XX/XX/year>. They are reporting on all XXXX credit reports as open and need to be removed immediately. I have contacted several times with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TN

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 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 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 2025-02-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-02-07 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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