vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account : XXXX XXXX Acct # XXXX Credit Bureaus Reporting : Experian, TransUnion I previously disputed this account with both Experian and TransUnion and also submitted a CFPB complaint in XX/XX/year>. Despite that, the account is still listed as a charged-off auto loan with a {$26000.00} charge-off and derogatory history, including a repossession. 

Both bureaus show this account as sold or transferred, but they continue to report it negatively. I have not received verifiable proof of this debt, nor have I provided written authorization for this account to be reported or sold to a third party as required by 15 U.S. Code 1681b and 1681e ( b ).

Additionally, if this account was sold or reassigned to another entity ( such as XXXX XXXX XXXX, which is also listed ), it should be closed and no longer reported in its current derogatory form under the original creditor.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DigniFi
State: IA

Complaint narrative:
I made a payment of {$130.00} on XX/XX/XXXX. They have not posted it to my account. They have requested to see my back statement showing the transaction which I have provided them with twice. Everytime I call I get the run around. No one can help me find the payment and refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio recovery associates are reporting a balance of over {$5600.00} on my credit report. They have been harrassing me by phone all of 2024, i requested that they no longer cxall me and send everything through mail only communication i want. I requested a debt validation on XX/XX/XXXX through ( certified mail ) i have proof of the delivery and they failed to respond. On XX/XX/XXXX I sent another letter through certified mail requesting that they remove the negative item from my credit because they have failed to provide me with information i requested, they have failed to respond to that letter and i have proof of delivery on that letter as well. Today XX/XX/XXXX, I called and spoke with dispute department they told me that they will continue to report ( damage ) my credit because they purchased this debt and i need to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My checking account was closed on XX/XX/year>, at Wells Fargos discretion. As of today, XX/XX/year>, I have received no verifiable or written communication regarding when I will receive the funds from that account. I have also not been informed of any reason why those funds, totaling approximately {$27000.00}, have not yet been made available to me. 

I have no tracking number, no confirmation of release date, no written documentation, and no communication confirming that my funds have been returned, are en route, or remain under review. I have made five attempts to get clarityboth by calling the number provided and by visiting my local branchyet no one has given me a clear or documented answer ( though I feel supported by the employees at my branch, as this is beyond their ability to control ).

This is not a small matter. These funds are what I rely on to live. Holding them without explanation or verifiable communication has caused significant hardship. I am not asking for special treatmentI am simply asking for transparency, accountability, and basic communication about the status of the money I earned and entrusted to Wells Fargo.

I understand banking institutions may have procedures for closing accounts and conducting reviews. What I do not understand is how those procedures justify withholding a customers funds for over a week without any explanation in writing, any projected timeline, or any acknowledgment of the impact this has on a persons livelihood.

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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Beware of " residual interest '' when you carry over a balance on a CitiBank XXXX XXXXXXXX card. 

All payments have been on time. 

Prior to XXXX all recent statement balances had been paid in full. 
Paid {$1500.00} of {$2000.00} statement balance in XXXX of which {$0.00} was interest. 
Paid {$5500.00} on {$5400.00} statement balance in XXXX of which {$24.00} was interest. 
XXXX statement balance is {$1900.00} of which {$47.00} is interest. 

The only portion of any statement balance that has been carried over was {$520.00}. All other statement balances have been paid in full. 

My current interest rate on this account is 9.99 %. Therefore, on the {$520.00} carryover balance I am expecting to accrue approximately {$53.00} of interest annually. 

In reality I have been charged {$71.00} for a XXXX loan of {$520.00} This calculates to an 81.5 % XXXX When I carried over a balance in XXXX, every purchase on this account was charged interest, compounded daily, from date of purchase. So.... it is not just interest on the carryover balance ; it is interest on the carryover balance and every purchase you make until you pay the statement balance in full. 

How can XXXX XXXX allow this?

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX I Opened an account with KeyBank and XXXX XXXX. This account is a business account and wasn't being use for personal banking. The Bank made a mistake and mailed out two bank cards instead of one card. I was unaware that there was a second bank card and seeing that one of the cards was in my possession I was unaware that someone was stealing {$500.00} per day from my account using another card. The bank never send a txt when the money was being withdraw daily and never was flag for suspicious activity. I file a police report so they can have camera footage even after seeing the footage of someone stealing my money. Keybank is refusing my dispute because of the zip code of one of the many banks the person us to withdraw the money. Their customer service is accusing me of giving out my info and not activating my online account. I couldn't move forward with opening my business due to this error and mental stress due to their customers service calling me a liar rather than trying to help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
I discovered an account that I never openedAccount # XXXXXXXX XXXX XXXX XXXX XXXX listed on my credit reports, originally from XXXX XXXX XXXX and now owned by XXXX XXXX XXXX. The balance is {$2800.00}. I first disputed this under the Fair Credit Reporting Act ( FCRA ) 611 by sending letters to the credit bureaus, yet the tradeline remains.

I also sent certified debt validation letters to Central Portfolio Control ( FDCPA 809 ) on [ dates ], demanding proof of the debts validity ( original signed contract, full chain-of-title ) and notice of my right to dispute ; they provided no verification. Instead, they have subjected me to up to 20 collection calls per day, and improperly contacted my parents and my employerdirect violations of FDCPA 805 ( b ) and 807 ( 17 ).

This account is not mine. Their continued reporting and collection attempts have caused me severe distress and hindered my ability to obtain credit, housing, and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-13 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX {$76.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX U.S.C, 1681section 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 an 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
XXXX XXXX stated I owed AAFES money and sent a debt collection. The originally amount of the credit card through AAFES was XXXX. In XXXX the government offset our taxes and took amount owed to aafes which was XXXX  with interest acquired. I disputed this on my credit report because this debit was paid years ago with our tax return. The credit reports removed aafes from my report because it was proven valid and paid off. I get a letter in XXXX  from XXXX XXXX stating they will garnish my wages if I do not pay the debt I owe. They have already started garnishing my wages even though I showed proof of debt paid off through our tax return. I told them that this was removed from my credit report and paid off with our tax return and no longer owed. I told them I also wanted to dispute this and get proof of debt owed. They sent me a letter in the mail saying they will still garnish my wages and a letter of break down for what they say I owed. In the letter they sent me back it shows where the debt was paid off by our tax return and then they illegally added back on. I contacted the company again to asked them for further proof of debt owed and why they added it back on and they have not provided it. I never heard from the company again. I have contacted the company several times for further proof of why debt has been added on and they will not send further proof. Just original letter which shows debt was paid off by me and randomly added back on. I contacted the company today asking again for further proof yet again but company refused to show further proof of debt owed and why they added it back on. I would like further proof that this debt is still owed and why they added the debt back on to the letter they sent. They have added over XXXX in interest stating I owe over XXXX when this debt is paid off!! This is unacceptable and this company is acting illegally trying to take money that is not owed. I will be going after this company for illegally taking money on a debt that is paid

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$980.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$69.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$630.00} INQUIRIES : XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: DriveTime
State: CA

Complaint narrative:
On XX/XX/year> I applied for a car with DRIVETIME. I received a Pre-Approval that same day, a Thursday, I visited the DriveTime in XXXXXXXX XXXX  off of XXXX XXXX. After test driving XXXX vehicles I had decided on the one I was interested in. The amount was under XXXX $ and the mileage was decent for the type of car and year. It was then the company came back and stated they couldnt obtain my credit report and I needed to unlock it, in which I did, upon unlocking my report, a DEMAND of a down payment was made. I informed the dealership DRIVE TIME that it was illegal to demand a down payment and that they were violating my rights according to XXXX. DRIVETIME claimed to have no knowledge of this law or violation so I provided them with a digital copy of a NOTICE OF WITHDRAWAL OF CONSENT AND DEMAND FOR NON-ISE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. That again claimed to have no knowledge and proceeded to provide me with even more false and inaccurate information. They referred me to their bank XXXX XXXX located in XXXX  The bank gave me to correct department which was customer relations. On XXXX XXXX I sent the Notices of withdrawal via email and was told that I WOULD be Contacted in XXXX at XXXX XXXX XX/XX/XXXX I called and was advised by a VERY rude agent that they received my notice and there was no way to confirm the notice was received. I called aback to be hung up on my another representative. I spoke to a XXXX rep that was very thorough. She was able to inform me that I had been placed on the DO NO CONTACT LIST! She also made me away that the legal department stated they WILL NOT SEND ANYTHING I requested. I am looking to sue DUE to my promissory note being securitized even tho I SPECIFICALLY asked to be informed of such a decision being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since I did not authorize or determine these fraudulent accounts, I am requesting that they be immediately removed from my credit report. I ask that they be deleted within 15 days in accordance with USC 1681g. Enclosed is pertinent supporting paperwork.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent/LVN funding I request a cease and desist. please respond through the CFPB

Company response to consumer: Closed with non-monetary relief