vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
1. Consumer Information Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  TX XXXX SSN : XXXX 2. Complaint Details Type of Issue : Incorrect credit reporting Failure to investigate disputes Violations of FCRA ( Fair Credit Reporting Act ) Description of Problem : I am filing this formal complaint for Falsely reporting late payments to Equifax, XXXX, and XXXX despite my payment history showing 100 % on-time payments. 

Ignoring multiple disputes, including direct communication with the CEO 's office on XX/XX/XXXX, where they falsely claimed the reporting was " accurate. '' Violating FCRA 623 ( a ) by failing to : Conduct a proper investigation Correct known errors Update all three credit bureaus with my current address and accurate payment history Causing significant financial harm, including : Denied credit applications Higher interest rates on approved loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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:
" XXXX XXXX is reporting account # XXXX as charged off on my credit report with a balance of {$0.00} and a high balance of {$2200.00}. This account was closed on XX/XX/2024 and appears to have been transferred to XXXX XXXX XXXX. 
I dispute the validity of this charge-off for the following reasons : XXXXXXXX XXXX  failed to issue me a 1099-C Cancellation of Debt form for this alleged charge-off, which is required by the IRS when a creditor discharges a debt of {$600.00} or more. This indicates the debt was either not actually charged off, or XXXXXXXX XXXX  violated IRS regulations. 
Section 6050P of the Internal Revenue Code requires that financial institutions report discharged debts to both the debtor and the IRS. XXXX XXXX XXXXs failure to provide this mandatory tax form demonstrates non-compliance with federal tax laws. 
XXXX XXXX has improperly sold or transferred this account without my permission, which violates the terms of the original cardholder agreement. 
Under the Doctrine of Accord and Satisfaction, if XXXX XXXXXXXX has claimed a tax benefit by writing off this debt, they can not simultaneously claim I still owe it or damage my credit by reporting it negatively. 
The account shows inconsistent reporting across credit bureaus and contains inaccurate information. 

I previously disputed this account, and the creditor failed to conduct a reasonable investigation as required by the FCRA. ''

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 2025-03-30 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:
" XXXX XXXX is reporting account # XXXX as charged off on my credit report with a balance of {$0.00} and a high balance of {$2200.00}. This account was closed on XX/XX/scrub>/2024 and appears to have been transferred to XXXX XXXX XXXX. 
I dispute the validity of this charge-off for the following reasons : XXXX XXXX failed to issue me a 1099-C Cancellation of Debt form for this alleged charge-off, which is required by the IRS when a creditor discharges a debt of {$600.00} or more. This indicates the debt was either not actually charged off, or XXXX XXXX violated IRS regulations. 
Section 6050P of the Internal Revenue Code requires that financial institutions report discharged debts to both the debtor and the IRS. XXXX XXXX XXXXs failure to provide this mandatory tax form demonstrates non-compliance with federal tax laws. 
XXXXXXXX XXXX  has improperly sold or transferred this account without my permission, which violates the terms of the original cardholder agreement. 
Under the Doctrine of Accord and Satisfaction, if XXXXXXXX XXXX  has claimed a tax benefit by writing off this debt, they can not simultaneously claim I still owe it or damage my credit by reporting it negatively. 
The account shows inconsistent reporting across credit bureaus and contains inaccurate information. 

I previously disputed this account, and the creditor failed to conduct a reasonable investigation as required by the FCRA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
" XXXX XXXX is reporting account # XXXX as charged off on my credit report with a balance of {$0.00} and a high balance of {$2200.00}. This account was closed on XX/XX/year> and appears to have been transferred to XXXX XXXX XXXX. 
I dispute the validity of this charge-off for the following reasons : XXXX XXXX failed to issue me a 1099-C Cancellation of Debt form for this alleged charge-off, which is required by the IRS when a creditor discharges a debt of {$600.00} or more. This indicates the debt was either not actually charged off, or XXXX XXXX violated IRS regulations. 
Section 6050P of the Internal Revenue Code requires that financial institutions report discharged debts to both the debtor and the IRS. XXXX XXXX XXXX failure to provide this mandatory tax form demonstrates non-compliance with federal tax laws. 
XXXX XXXX has improperly sold or transferred this account without my permission, which violates the terms of the original cardholder agreement. 
Under the Doctrine of Accord and Satisfaction, if XXXX XXXX  has claimed a tax benefit by writing off this debt, they can not simultaneously claim I still owe it or damage my credit by reporting it negatively. 
The account shows inconsistent reporting across credit bureaus and contains inaccurate information. 

I previously disputed this account, and the creditor failed to conduct a reasonable investigation as required by the FCRA. ''

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 2025-03-30 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Dispute of Fraudulent Items on My Credit Report - Section 605B Dear Sir/Madam, I am writing to formally dispute fraudulent information that has been reported on my credit file under Section 605B of the Fair Credit Reporting Act. I have identified several fraudulent items on my credit report, which I believe were the result of identity theft. Below are the details of the fraudulent accounts : 1. Account Name XXXX XXXX XXXX XXXX Date Opened : XXXX/XXXX/2024 Amount : {$500.00} 2. Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2024 XXXXXXXX XXXX XXXX  ) XXXX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX/2024 XXXX XXXX XXXX  ) XX/XX/XXXX2024 These accounts were not opened by me, and I did not authorize any transactions related to them. I believe my personal information was compromised, and these fraudulent items were added to my credit report without my consent. 

I have taken immediate action to address this issue with the relevant credit bureaus and creditors, but I am requesting your assistance in investigating and removing these fraudulent entries from my credit report under Section 605B of the Fair Credit Reporting Act.

Supporting Documents : To assist in the investigation, I have enclosed the following documents : A copy of my credit report showing the fraudulent accounts A copy of my ID and utility bill A copy of the identity theft report Any correspondence with the credit bureaus or creditors regarding the fraudulent accounts Any other relevant documents to support my claim I request that the fraudulent accounts be investigated and removed from my credit report immediately. This erroneous information is damaging my credit and is not a reflection of my credit history or financial behavior.

Please notify me promptly once the investigation has been completed or if further documentation is needed. If you require additional information or clarification, please contact me directly at XXXX or XXXX. 

Thank you for your attention to this serious matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XX/XX/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 2025-03-30 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: AZ

Complaint narrative:
XXXX XXXXXXXX XXXX Balance owed : {$570.00} I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, Engelhardt v GRAVENS ( MO ) 281 SW 715 719 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, nor therefore any such debt in fact exists.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
According to the fcra section 605b it is illegal to report information on my credit report without permission thank you please remove this from my credit report now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cash app closed my account for no reason they have no contact number so I messaged them they told me it was in error they told me to open a new account when I do it wont let me they still have yet been able to help me this been since last XX/XX/scrub> 2024 I also see they have a law suit against them how do I apply for that?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ROBINHOOD MARKETS INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I opened a credit card with Robinhood gold and on their website it said there was no annual fee. After about a month I find a charge for XXXX for a Gold subscription service. 
I tried to contact customer service but their only support is by text. 
After about an hour of texting back and fourth I told their is no annual fee, it's just a subscription them to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
HARD INQUIRY FROME EXPERIAN XXXX XXXX ON XX/XX/year>2025 & FROME XXXX XXXX XXXXXXXX ON XX/XX/scrub>/2025 IDIDNT RECOGNIZE DUE TO IDENTITY THEFT THESE NO MINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Volvo Car Financial Services U.S., LLC
State: IL

Complaint narrative:
this has started on XX/XX/2024, I have been trying to work with polestar corporate since and they have now started to ghost me or give false promises of a follow up. 

I originally leased a Polestar 2, and as part of the lease agreement, there was a {$350.00} disposition fee to be paid at the end of the lease term. I was informed by Polestar representatives that this fee would be waived if I chose to finance another Polestar vehicle through them.

At lease-end, I decided to transition from the lease into a Certified Pre-Owned ( CPO ) purchase of the Polestar 2. This involved moving from the lease into a financed CPO deal, which should have qualified as financing another Polestar.

The {$350.00} disposition fee was still charged, despite the verbal understanding that it would be waived upon financing. Additionally the CPO was delivered to me with a damaged tire that I had swapped to the lease and they are trying to charge me XXXX for that tire as well. Lastly they never actually CPO 'd the vehicle as it came with a broken key, tire, windshield wipers that damaged my windshield as well. So while I look at legal options for the CPO I was hoping the CFPB would be able to help with the additional end of lease charges.

This situation has led to confusion and frustration, as it feels inconsistent with the terms that were communicated during the lease and CPO transition process. I would like clarification and, ideally, a resolution that reflects the original terms I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear [ CFPB I am writing to formally dispute inaccurate and/or unverifiable information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq. The item ( s ) in question are as follows : [ AMEX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into any disputed item and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. Furthermore, 15 U.S.C. 1681c ( a ) mandates the timely removal of outdated or erroneous accounts.

As a direct result of your negligence in maintaining accurate reporting, I have suffered financial harm, including denial of credit, auto loans, and higher interest rates, all of which are violations of my consumer rights. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, you may be held liable for willful and negligent noncompliance with the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees.

You have five ( 5 ) days from receipt of this letter to correct and remove the erroneous information from my credit report. If you fail to comply, I will have no choice but to escalate this matter through legal action to seek full compensation for the financial and emotional damages caused by your noncompliance.

Please provide written confirmation once the disputed item ( s ) have been removed or corrected. If you believe the information is accurate, provide documentation verifying its validity. Otherwise, failure to act will result in further legal consequences.

This letter serves as a formal record of my request under the FCRA, and I expect immediate corrective action. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Dear [ CFPB I am writing to formally dispute inaccurate and/or unverifiable information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq. The item ( s ) in question are as follows : [ EXETER FINANCE LLC/XXXX EXETER FINANCE LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Phone number XXXX XXXX ) XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into any disputed item and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. Furthermore, 15 U.S.C. 1681c ( a ) mandates the timely removal of outdated or erroneous accounts.

As a direct result of your negligence in maintaining accurate reporting, I have suffered financial harm, including denial of credit, auto loans, and higher interest rates, all of which are violations of my consumer rights. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, you may be held liable for willful and negligent noncompliance with the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees.

You have five ( 5 ) days from receipt of this letter to correct and remove the erroneous information from my credit report. If you fail to comply, I will have no choice but to escalate this matter through legal action to seek full compensation for the financial and emotional damages caused by your noncompliance.

Please provide written confirmation once the disputed item ( s ) have been removed or corrected. If you believe the information is accurate, provide documentation verifying its validity. Otherwise, failure to act will result in further legal consequences.

This letter serves as a formal record of my request under the FCRA, and I expect immediate corrective action. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
Have disputed XXXX XXXX  several times and no investigation was conducted or completed, they have supplied the same report every time I dispute this collection company, the collection company does not even have a license to collect debts in my state but have froze my bank accounts twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX  has inaccurately reasserted Citibank account to my credit report. XXXX  has not provided any information prior to reasserting reporting of this negative account. XXXX  has ignored compliance procedures 15 USC 1681e and as a result the consumer has been damaged. This is a clear violation of the Fair Credit Reporting Act. XXXX  has this violation along with damages and equitable relief to the consumer is required.

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 2025-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
on XX/XX/XXXX I try to add my card to XXXXXXXX XXXX  but it doesnt work and says i need to contact Amex. On the help line i can only hear frequently asked questions or hear my balance. No explanation is given as to why i cant add the card to XXXX XXXX 

XX/XX/XXXX I try to use the card on multiple websites including multiple attempts on XXXX to add credit to my account. I tried different addresses to see if that was the issue but wasn't able to do so. I tried calling the help number and navigating the menu to speak to a representative because there was no good help option for if card just doesnt work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-30 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: WV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Sent payment to Mazda Financial ( MFS ) on XX/XX/XXXX via XXXX XXXX XXXX XXXX web bill pay. XXXX & XXXX is forced to send a paper check because Mazda Financial will not accept ACH payments ( the actual company, Toyota Financial will however accept ACH payments ). As of XX/XX/XXXX the payment has not posted, forcing me to provide an additional payment while MFS tries to figure out where my check is at. To do this I added my bank account information to their website, after which I received their terms and conditions, including a notice that there are extra fees for making payments via this method. Between XX/XX/XXXX and XX/XX/XXXX I have spoken MFS several times regarding this issue- they have always offered the inconvenience of logging into their site to make payments but did not disclose the extra fees until after the fact, as they emailed me the terms and conditions after I had added my banking information and processed a payment to them.

Issues are : 1 - failure to post check payments timely 2 - Refusing to permit Mazda lease holders from making ACH payment, while permitting Toyota lease holders to pay via ACH.

3 - Providing terms and conditions of making payments via the MFS website after the customer has provided banking information and made a payment.

4- Not making terms and conditions of using their site to process payments clear and conspicuous prior to the customer enacting a transaction.

Company response to consumer: Closed with explanation