vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
" I previously challenged the erroneous and incomplete information on my credit report, yet [ XXXX/TransUnion ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies. 
- A formal dispute letter outlining the errors and specifying the necessary corrections. 
- Copies of my government-issued ID, Social Security card , and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter from Wells Fargo, dated XXXX XXXX, XXXX, informing me that my application for a credit card was denied. The problem is that I never applied for a credit card with Wells Fargo or with any other institution. I called Wells Fargo and XXXX to report the fraud. Wells Fargo has made a record regarding the fraud. XXXX added a one-year security alert to my account. XXXX also stated that they would check 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 non-monetary relief
Consumer complaint received 2025-02-24 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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year>. I'm now requesting ou investigate this account and update these payments to paid on tim mmediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: WA

Complaint narrative:
In XXXX I Financed ( through a local credit union ) a buyout of my lease on a XXXX XXXX XXXX which was ending, I received a check for a few dollars for overpayment from XXXX XXXX XXXX Financing after the purchase but never received the information to bring to the DOL to have my new lender added onto the title as a lean holder. I've called numerous times and they claimed to have sent it but after I spoke with them today I was informed they didn't have my address correct even though I had previously received documentation from them and never once did I authorize or ask for a change of address. Because I have not been able to add my current lender to my title my interest rate jumped from 4.6 % to 19.4 % for over 2 years and after close to if not more than XXXX XXXX dollars in difference i finally figure this out despite on every call reiterating my correct appartment number to the operator.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year>, I sent to BANK OF AMERICA, via CERTIFIED MAIL & RETURN RECEIPT, a Dispute of Inaccurate Debt Reporting, Demand for Correction under the FCRA and FDCPA for Account No. Ending with XXXX for $ XXXX, XXX.XX, and Demand for IRS Form XXXX. 

I wrote to formally dispute the accuracy of an alleged debt that BANK OF AMERICA has reported in my consumer report. Specifically, their records reflect a charge-off/write-off of this alleged debt ; however, they failed to provide the required IRS XXXX XXXX, which is necessary to confirm the reporting of this debt as forgiven and any related taxable event. Please see letter attached. 

Since BANK OF AMERICA failed to send me Form XXXX, I e-filed it and it was accepted by the IRS on XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
Incident happened today XX/XX/XXXX. A deposit of {$6000.00} was made to my account on XX/XX/XXXX from a cashiers check. Called customer service and was told the funds are on hold but go to the bank directly and they can potentially help with getting funds release. Went to South State Bank located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Spoke to one of the tellers who couldnt answer questions and said I needed to speak to the manager. As I was sitting and waiting for the manager. She called out to me in the lobby and stated the manager is on a call right now but she said she will not be releasing the hold Which is very rude to do that out loud. I stated I didnt care about the hold Im more so now concerned with you telling me that my account is considered a repeat over drafter when that account does not have overdraft and the only time I am in the negative is when I am charged an {$8.00} service fee by your institution. She then yelled out and said that I needed to contact the bank who gave the cashiers check to see what they can do. I asked why am I contacting them when you are my bank and you have the hold and the accounted listed as such. I was given every reason to not get assistance. I left the bank but after 2 minutes I returned because I still did not have my questions answered nor did I speak to the manager that she recommended. When I returned there was another lady talking to the same teller that I was speaking too and as I walked in I stated I still wanted to speak to the manager because my questions were unanswered. She stated I am the manager and I am not releasing the funds ( the new lady ). We are still in the middle of the lobby. She didnt ask for my account info, or if we could go and sit and talk or anything. I explained to her that I am not concerned about the hold, Im now more concerned about the reason for the hold. She stated it doesnt matter if we did the charge or not the point is its still considered overdraft even for the {$8.00} maintenance fee from us. Her entire tone was rude and did not want to help. My mom called and I asked her to give me a sec so I can tell her I would call back. She rolled her eyes and walked away. I told her that I am a customer and there is not reason for her to the manager and treating me as such. She asked me to leave the bank and I told her no. I asked for her name and she said XXXX and started to spell her name and I advise I did not need her to spell it and she said thats surprising you dont need it spell. I feel as if I was discriminated against. My privacy was not protected as this all occurred in the middle of the bank. I was embarrassed and felt humiliated from this occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: AR

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

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 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 CAR-MART XX/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 explanation
Consumer complaint received 2025-02-24 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: AR

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

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 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 CAR-MART XX/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 2025-02-24 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: MD

Complaint narrative:
I disputed negative information on my credit report that is not mines, the credit bureaus came back stating it was reporting correctly with the documented proof of the verification. there is no veriification from the bureaus just word of mouth. I can't accept that. No proof anything. They are not doing their job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
I disputed negative information on my credit report that is not mines, the credit bureaus came back stating it was reporting correctly with the documented proof of the verification. there is no veriification from the bureaus just word of mouth. I can't accept that. No proof anything. They are not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made a purchase from XXXX XXXX and attempted to return the entire order due to incorrect sizing. Despite my repeated requests, the company has engaged in unfair and deceptive return practices, making it excessively difficult to receive my full refund. 

Lack of Clear Return Process : I reached out multiple times beginning XX/XX/year>, requesting return instructions, but the company failed to provide clear guidance or respond in a timely manner. 

Unfair Return Policy : Despite XXXX XXXX having XXXX U.S. locationsa registered office in XXXX XXXX and a warehouse in XXXX, XXXXXXXXthey demanded I return the order to XXXX, significantly increasing my shipping costs and inconvenience. There is no legitimate reason to require an international return when they have domestic facilities. 

Partial Refund Deception : I originally paid over {$640.00}, but the company is only offering me {$220.00}, claiming some items were " custom-made '' despite no customization being requested. This appears to be a tactic to avoid issuing proper refunds. 

Attempts to Force Store Credit Instead of Refund : XXXX XXXX  repeatedly pushed store credit with bonus incentives instead of honoring a refund, despite my explicit refusal of store credit. 

Admission of U.S. Warehouse Returns : After significant pushback, the company acknowledged I could return the items to their U.S. warehouse. However, they continue to withhold my full refund without a valid reason.

Desired Resolution : A full refund of my purchase amount ( $ 640+ ) to my original payment method.

Written confirmation that I can return the items to their U.S. warehouse, as they previously admitted.

Accountability for their deceptive and unfair return practices to prevent other consumers from experiencing similar issues. 
I have email documentation proving my repeated requests, their delayed responses, their insistence on an international return, and their refusal to provide my full refund. I am seeking CFPB intervention to ensure fair consumer treatment.

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 2025-02-24 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: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items dispute the evidence I provided, causing a ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
XXXX system  had issues on the XXXX of XXXX. I tried making transfers online with my citibank checking account to my XXXX  account but couldn't add a new account successfully. I tried to do it through their automated phone system but the system ended up transferring {$10000.00} to my {$3000.00} citibank credit card., even though I clearly said " NO '' when it asked if I wanted to pay {$10000.00} to my credit card. Now I have XXXX balance. That's over XXXX XXXX of my money stuck on a credit card. I have reached out to citi to get a refund but basically told it will take anywhere from 2 weeks to a month to get my money XXXX  back even though this transfer was from a citibank checking account to a citibank credit card and caused by a faulty automated system. I have things to do with my money and I think it's unfair to hold my money.

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