vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
MY 1ST HUSBAND XXXX XXXX AND I XXXX XXXX. WE BOUGHT A XXXX XXXX FROM A DEALERSHIP IN XXXX CALIFORNIA. 

IN XXXX DURING XXXX, XXXX AND I SEPERATED AND WERE LIVING IN SEPARATE HOMES. 

I TRIED TO TAKE MY NAME OFF OF THE LOAN WITH GM FINANCIAL, AND I THOUGHT IT WAS IN THE PROCESS OF BEING REMOVED AND XXXX XXXX BEING THE SOLE RESPONSIBLE PARTY FOR THE LOAN. 

THE LAST PAYMENT ON THE CAR WAS ABOUT OR AROUND XXXX OF XXXX. BUT XXXX IS REPORTING ON THEIR WEBSITE THAT THE LAST PAYMENT ON THE XXXX XXXX WAS XX/XX/XXXX. WHICH IS UNTRUE. 
XXXX XXXX MY FIRST HUSBAND WAS IN POSSESION OF THE XXXX FROM XX/XX/XXXX TIL HIS DEATH IN XX/XX/XXXX. 

XXXX IS STATING THAT IT'S STILL IN THE STATE OF REPOSSESSION, IT HAS BEEN ALMOST 2 YEARS AND IT IS STILL IN THE STATE OF REPOSSESSION? 
I ASSUME IT HAS BEEN SOLD OR JUNKED AT THIS POINT. 

AT THIS POINT, I WANT THIS INFORMATION UPDATED BY XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy Here is the item I am asking you verify as accurate. 

XXXX 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 explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against cash app ( block , inc . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( XXXX ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( XXXX  ) and XXXX XXXX These actions have caused significant inconvenience and financial losses, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
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. 
I told Experian, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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
Consumer complaint received 2025-03-22 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: NY

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. 
I told Experian, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KS

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. 

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

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.

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XXXX Account Name : XXXX # XXXX - Date Opened XXXX Account Name : XXXX XXXX # XXXX - Date Opened XXXX Account Name : XXXX # XXXX - Date Opened XXXX Account Name : XXXX XXXX # XXXX - Date Opened XXXX Account Name : XXXX XXXX # XXXX - Date Opened XXXX Account Name : XXXX # XXXX - Date Opened XXXX Account Name : XXXX # XXXX - Date Opened XXXX Account Name : XXXX # XXXX - Date Opened XXXX Account Name : XXXX # XXXX - Date Opened XXXX  Account Name : XXXX # XXXX - Date Opened XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-03-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute a fraudulent auto loan appearing on my credit report. This unauthorized loan was obtained using my Social Security number ( SSN ) without my knowledge or consent. A copy of my credit report highlighting this inaccurate entry is attached for your review. 

This incident represents a serious breach of my personal information and is causing significant financial distress. I request an immediate investigation into this matter and the prompt removal of the fraudulent loan from my credit report. 

In addition to the fraudulent auto loan, I wish to bring to your attention a separate data breach incident. On XX/XX/year>, I received emails from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX informing me of a class-action lawsuit related to a server hack. This breach, reportedly involving XXXX and XXXX XXXX software, exposed proprietary consumer account information, including data linked to my SSN, on the dark web. This compromise has resulted in further unauthorized debts being added to my accounts. I believe this data breach is directly related to the fraudulent auto loan and the unauthorized charges, violating my privacy rights as protected by the Federal Trade Commission. 


I require a comprehensive explanation of how my SSN was compromised and what preventative measures are being undertaken to safeguard against future data breaches and fraudulent activity. I also expect a clear timeline for the resolution of both the fraudulent auto loan issue and the rectification of the debts incurred as a result of the data breach. 

Please contact me using the information provided by XXXX Fraud Department. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I send dispute letter that information and account that need to be delete from credit file i send them document and no help. This accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I had my personal info and all my personal documents stolen a few years ago, people had used my info to get stuff I guess and they got a car it looks like, under my name even though it wasnt me. I want to get this stuff off my credit because its really causing a hardship for me. With all that stuff about the lawsuit from the CFPB its really making me scared this stuff wont be done right. I dont want to have to sue the credit places like the CFPB did to make sure this is done right. Please take this stiff off my credit.

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 2025-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Regional Management Corporation
State: AL

Complaint narrative:
The account will regional why is the account in the red zone when it was paid on time paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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 writing to dispute the inclusion of certain information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report obtained from your agency, I have discovered that certain information has been reported without my explicit written consent for disclosure or obtaining of information. 
Specifically, I have never provided written consent for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As per the FCRA, Section 1681b, any entity that obtains a consumer report for a permissible purpose must first obtain the consumer 's written consent. I have not provided such written consent for the information listed above to be disclosed or obtained. Additionally, these inquiries were opened without consent. 
I demand that you conduct a thorough investigation into how this information was obtained and included on my credit report without my written consent. 
I also request that you promptly remove and block this information from my credit report in accordance with the FCRA. 
Additionally, please provide documentation demonstrating that written consent was obtained for the inclusion of the disputed information on my credit report. 
If you are unable to provide such documentation, I expect the immediate removal of the unauthorized information. 
Under the FCRA, you are required to complete the investigation and take appropriate action within 30 days of receiving my dispute. 
I also request that you provide me with a free copy of my updated credit report once the investigation is complete, as mandated by law. 
Please acknowledge receipt of this dispute letter within five business days and inform me of the steps being taken to investigate the lack of written consent for the disclosure of my information. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute in accordance with the FCRA and take appropriate action to rectify the unauthorized inclusion of information on my credit 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 explanation
Consumer complaint received 2025-03-22 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: NC

Complaint narrative:
I am writing to dispute the inclusion of certain information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report obtained from your agency, I have discovered that certain information has been reported without my explicit written consent for disclosure or obtaining of information. 
Specifically, I have never provided written consent for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As per the FCRA, Section 1681b, any entity that obtains a consumer report for a permissible purpose must first obtain the consumer 's written consent. I have not provided such written consent for the information listed above to be disclosed or obtained. Additionally, these inquiries were opened without consent. 
I demand that you conduct a thorough investigation into how this information was obtained and included on my credit report without my written consent. 
I also request that you promptly remove and block this information from my credit report in accordance with the FCRA. 
Additionally, please provide documentation demonstrating that written consent was obtained for the inclusion of the disputed information on my credit report. 
If you are unable to provide such documentation, I expect the immediate removal of the unauthorized information. 
Under the FCRA, you are required to complete the investigation and take appropriate action within 30 days of receiving my dispute. 
I also request that you provide me with a free copy of my updated credit report once the investigation is complete, as mandated by law. 
Please acknowledge receipt of this dispute letter within five business days and inform me of the steps being taken to investigate the lack of written consent for the disclosure of my information. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute in accordance with the FCRA and take appropriate action to rectify the unauthorized inclusion of information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
XXXX STORE CARD WAS OPENED ON XX/XX/XXXX. 
I NEVER HAVE SHOPPED OR OPENED A CREDIT CARD WITH XXXX STORE. 

THE XXXX STORE CARD WAS CLOSED BY CREDITOR XX/XX/XXXX THIS XXXX CARD WAS NOT APPLIED BY ME NOR USED BY ME.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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.

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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.

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Newrez is a debt collection agency recently into the VA loan ( and government backed loan ) business. I refinanced out of Newrez on XXXX XX/XX/year>, because of their negative behavior. I asked to split the monthly payment into two parts and they said they are a debt collection company and I will pay the way they tell me or they will foreclose. The only reason they are in the mortgage business is to foreclose. I reported this to Newrez main office and they said they would look into it and get back with me. They never did. 
Closed on a refinance on XXXX XX/XX/year>. On my XXXX Statement my escrow balance was {$8300.00}. Newrez disbursed {$880.00} to XXXX insurance leaving a balance of {$7400.00}. Newrez sent me a disbursement of {$1400.00} Which included an Escrow Refund of {$1200.00} and an unapplied disbursement of {$220.00} leaving a balance due of {$6000.00}. 
Have requested a refund on four seperate occassions, once they replied ( in writing ) they would look into it, they have never addressed the issue.

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 2025-03-22 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: PA

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I opened an Upgrade Card on XX/XX/year> and a checking plus account. The promotion was {$200.00} if I opened both and met the terms. I met the terms and opened both. The company said that there was no promotion attached and even though its a public offer they would not honor it

Company response to consumer: Closed with explanation