vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because my auto loan lender mis disclosed my down payment and is charging interest based on an inflated Amount Financed, violating 15 USC 1638 ( a ) ( 2 ), 15 USC 1638 ( a ) ( 7 ), 15 USC 1605, 15 USC 1026.4 ( Regulation Z ), and potentially 16 CFR 433.2, 15 USC 1662, 15 USC 1602, and 15 USC 1603. My Retail Installment Contract, signed XX/XX/XXXX, with XXXX XXXX XXXX XXXX ( assigned to XXXX XXXX XXXX ), states in the Truth-in-Lending Disclosure a down payment of {$500.00}, finance charge of {$2600.00}, Amount Financed of {$8400.00}, Total of Payments of {$11000.00} ( 48 monthly payments of {$230.00} starting XX/XX/XXXX ), and APR of 13.89 %. 
On XX/XX/XXXX, I paid {$2500.00} as a down payment ( I have a receipt from XXXX XXXX XXXX XXXX ), not {$500.00} as disclosed. Since then, Ive paid an additional {$4700.00} through monthly payments as of XX/XX/XXXX ( approximately 20 payments of {$230.00} ), totaling {$7200.00}. The contracts {$500.00} down payment disclosure is incorrectmy {$2500.00} payment should reduce the Amount Financed to {$6400.00} ( {$8400.00} - {$2000.00} ), lowering the interest owed. Instead, XXXX is charging interest on {$8400.00}, inflating the finance charge beyond whats fair. My {$230.00} payments include {$2600.00} in interest, but with the correct Amount Financed, interest should be lower ( e.g., ~ {$2000.00} at 13.89 % over 48 months ).

This violates : 15 USC 1638 ( a ) ( 2 ) & ( a ) ( 7 ) : TILA requires accurate disclosure of the Amount Financed and down payment. Misstating {$500.00} instead of {$2500.00} inflates the loan and interest.

15 USC 1605 ( a ) & 1026.4 : The finance charge is overstated due to the incorrect Amount Financed, misrepresenting the cost of credit.

16 CFR 433.2 : XXXX must honor defenses against XXXX XXXX XXXX mis disclosure.

15 USC 1662 : If advertised terms omitted this discrepancy, its misleading ( suspected ).

15 USC 1602/1603 : This consumer loan isnt exempt ; TILA applies, and violations suggest illegality.

My {$7200.00} paid exceeds the adjusted principal of {$6400.00}, yet XXXX demands {$11000.00}. These violations render the contract illegal due to fraudulent misrepresentation. Im attaching my contract, receipt, and payment records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because my auto loan lender mis disclosed my down payment and is charging interest based on an inflated Amount Financed, violating 15 USC 1638 ( a ) ( 2 ), 15 USC 1638 ( a ) ( 7 ), 15 USC 1605, 15 USC 1026.4 ( Regulation Z ), and potentially 16 CFR 433.2, 15 USC 1662, 15 USC 1602, and 15 USC 1603. My Retail Installment Contract, signed XX/XX/XXXX, with XXXX XXXX XXXX XXXX ( assigned to XXXX XXXX XXXX ), states in the Truth-in-Lending Disclosure a down payment of {$500.00}, finance charge of {$2600.00}, Amount Financed of {$8400.00}, Total of Payments of {$11000.00} ( 48 monthly payments of {$230.00} starting XX/XX/XXXX ), and APR of 13.89 %. 
On XX/XX/XXXX, I paid {$2500.00} as a down payment ( I have a receipt from XXXX XXXX XXXX XXXX ), not {$500.00} as disclosed. Since then, Ive paid an additional {$4700.00} through monthly payments as of XX/XX/XXXX ( approximately 20 payments of {$230.00} ), totaling {$7200.00}. The contracts {$500.00} down payment disclosure is incorrectmy {$2500.00} payment should reduce the Amount Financed to {$6400.00} ( {$8400.00} - {$2000.00} ), lowering the interest owed. Instead, XXXX is charging interest on {$8400.00}, inflating the finance charge beyond whats fair. My {$230.00} payments include {$2600.00} in interest, but with the correct Amount Financed, interest should be lower ( e.g., ~ {$2000.00} at 13.89 % over 48 months ).

This violates : 15 USC 1638 ( a ) ( 2 ) & ( a ) ( 7 ) : TILA requires accurate disclosure of the Amount Financed and down payment. Misstating {$500.00} instead of {$2500.00} inflates the loan and interest.

15 USC 1605 ( a ) & 1026.4 : The finance charge is overstated due to the incorrect Amount Financed, misrepresenting the cost of credit.

16 CFR 433.2 : XXXX must honor defenses against XXXX XXXX XXXX mis disclosure.

15 USC 1662 : If advertised terms omitted this discrepancy, its misleading ( suspected ).

15 USC 1602/1603 : This consumer loan isnt exempt ; TILA applies, and violations suggest illegality. 
My {$7200.00} paid exceeds the adjusted principal of {$6400.00}, yet XXXX demands {$11000.00}. These violations render the contract illegal due to fraudulent misrepresentation. Im attaching my contract, receipt, and payment records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: AZ

Complaint narrative:
I AM STRUGGLING TO GET MY INFORMATION AND LIFE BACK TOGETHER WITH MY EXPERIENCE WITH HUMAN TRAFFICKING UNDER 605C. PLEASE SEE MY ATTACHED DOCUMENTS TO FURTHER SUPPORT MY CLAIM AND REMOVE FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
My Santander account has been reporting inaccurate information on my report. My loan is listed a XXXX the interest is not included in this amount according to the company. My credit reports from all three credit bureaus have my account as 12 % paid off for the past two years. This information is inaccurate. I've made over 50 % of what's owed on my loan. XXXX is what I've paid so far with a 18.8 % interest rate. The company is stating that the interest is not reflected in the XXXX. The company is currently stating the amount I owe is XXXX. Which equates to almost XXXX in interest. I would not have gotten this loan if I knew that more than half of my payment was going towards interest. This company just paid out a XXXX lawsuit due to this same negligence. How can you not inform a costumer that you'll never be finished paying for your car. I signed a contract for XXXX any traditional loan that would be added on the back end of the loan. This loan is {$8.00} per day. This is illegal. Even the Dept of Justice sued them for {$130.00} million. I would like all three credit reports to be updated, stating either the amount I've paid or the percentage I've paid. I am taking a major hit on my credit due to these inaccuracies. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Company sold me a 2x {$200.00} XXXX XXXX Gift Card. I could only redeem {$160.00} of the {$200.00} balance. Company adds a extra fee to each transaction ( varies between {$5.00} and {$10.00} per charge ). This is fraud. No authorizations are involved- all are straight up purchases. Carefully compare the balance and transaction - these do NOT add up!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-03-19 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-03-19 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.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-03-19 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: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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.
State: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
- These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
am writing to formally request your assistance in correcting inaccurate information that is being improperly reported on my credit report. Despite my efforts to resolve this issue with the credit reporting agencies and the original furnisher of the information, the inaccuracies remain and are negatively impacting my credit profile. Details of the Dispute : XXXX XXXX XXXX XXXX : [ XXXX, Experian, TransUnion ] Incorrect Information Being Reported Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information. Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate data. The failure of [ credit bureau/furnishers name ] to correct this information constitutes a violation of federal law. Requested Resolution : I kindly request that the CFPB : 1. Investigate this matter and ensure that the credit bureaus and/or furnisher comply with federal laws. 2. Require the removal or correction of the inaccurate information. 3. Ensure that I receive an updated copy of my corrected credit report. I have attached supporting documents, including my dispute letters, responses from credit bureaus, and any relevant account statements. I appreciate your prompt attention to this matter, as these inaccuracies are affecting my financial stability. Sincerely, 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
am writing to formally request your assistance in correcting inaccurate information that is being improperly reported on my credit report. Despite my efforts to resolve this issue with the credit reporting agencies and the original furnisher of the information, the inaccuracies remain and are negatively impacting my credit profile. Details of the Dispute : XXXX XXXX XXXX XXXX : [ XXXX, Experian, TransUnion ] Incorrect Information Being Reported Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information. Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate data. The failure of [ credit bureau/furnishers name ] to correct this information constitutes a violation of federal law. Requested Resolution : I kindly request that the CFPB : 1. Investigate this matter and ensure that the credit bureaus and/or furnisher comply with federal laws. 2. Require the removal or correction of the inaccurate information. 3. Ensure that I receive an updated copy of my corrected credit report. I have attached supporting documents, including my dispute letters, responses from credit bureaus, and any relevant account statements. I appreciate your prompt attention to this matter, as these inaccuracies are affecting my financial stability. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Today, XX/XX/XXXX, I was got a call from Ally Bank to investigate fraud. Since that call, the bank has frozen my account and locked me from seeing any information about it. When I called back to investigate when my account would be unlocked, I was not given any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-03-19 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: MD

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my credit report I noticed that there is a XXXX XXXX Bankruptcy Court items listed on my credit reports. 

Bankruptcy XXXX XXXX File Number XXXX Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The original creditor in this case would be the XXXX Bankruptcy Courts.

The bankruptcy court has mailed me a letter stating that they do not provide any information to credit reporting agencies, nor do they ever validate or confirm public records. Additionally, XXXX has provided documentation stating it could not validate this public record information. It is the credit reporting agencies, and/or other third-party providers, who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, Experian, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ).

An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX {$4900.00} XXXX XXXXXXXX XXXX XXXX  is missing information. According to the law you must report both complete and accurate information. This is neither. 
There is a charge off showing XX/XX/XXXX- still a charge off XX/XX/XXXX. This is an inaccuracy. This is illegal. Charge offs are done once not every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I had credit card debt with XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX  ). Spoke to them a few months ago ( probably around XXXX or XX/XX/XXXX ), said they would reduce the cost of the debt owed. I agreed to the reduced amount, however, I have not been working due to a fall that I had back in XXXX and could not pay the reduced cost, when I thought I could. Next, I receive a letter in the mail from an attorneys office, Selip and Stylianou saying I am being taken court if I do not pay the amount stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

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