vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$280.00} Open Date XXXX XXXX, XXXX XXXX XXXX  Balance {$200.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX Date 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 2025-02-26 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: TX

Complaint narrative:
Despite multiple attempts to resolve the presence of fraudulent inquiries on my consumer report, these unauthorized entries continue to cause severe mental and financial distress. As a documented victim of identity theft who has reported these violations to the Federal Trade Commission, I have no connection to these entries, yet their presence has critically impacted my ability to achieve essential life goals like purchasing a home and providing for my family 's needs. The documentation submitted to the FTC clearly outlines the nature and scope of this fraudulent activity.

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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My past complaint XXXX indicated that Macys closed this account., My credit score went down XXXXXXXX XXXX indicating because of non payment on this account. On XX/XX/year>, I filed a fraud complaint with XXXX Police Dept. I never received their credit card. However on XX/XX/year>, a card or number was used for purchase of XXXX in XXXX XXXX Is my only option is to take a lie detector test to prove I did not do this. Will I need a lawyer? My credit has never been compromised.

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 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
My account was closed due to unforeseen events and now I have money in an account that I can not withdraw nor access. I have tried to contact support for appropriate accommodation and have not been given a satisfactory response as to how I can access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: LA

Complaint narrative:
I have an unusable AMEX gift card. The website is unusable to check the balance. I finally reach customer service for them to tell me the value is escheated and I need to contact my state department for unclaimed funds. This makes no sense as my name isnt on this and the card isnt expired. Its so bonkers it feels like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX credit reporting agency , and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at ALLY FINANCIAL in XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being I am aware of my rights under the fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being I am aware of my rights under the fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by federal 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 explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-26 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:
This morning, I was surprised to find incorrect accounts on my credit report without any explanation. I check my report regularly, but this time, there were unexpected inconsistencies. Hoping it was just a system error, I refreshed my browser, but the accounts did not disappear. Because of this, I request a thorough review of the documents Ive sent to ensure this issue is fully resolved.

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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This creditor has violated my rights under 15 US C 1681 section 602. States I have the right to privacy 15 US C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish account without written instructions under 15 US 1666B accreditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP
State: NY

Complaint narrative:
I opened a KeyBank Merchant Services account in XX/XX/XXXX for my foundation. I closed the account in mid- XX/XX/XXXX. I was told to return the equipment to the local branch & their representative would take care of it ( returning the equipment and closing the account ). I have been a customer of KeyBank for many years & trust the people there. So I dropped off the equipment in XXXX XXXX. At the end of the next year in XX/XX/XXXX, I realized that XXXX XXXX continued to charge me a monthly service fee and withdrew over {$1000.00} from my checking account. I complained to the branch & they referred me to merchant services who refused to pay back the money. Later, I approached another branch manager who assisted me but merchant services said I did not return the equipment. That, of course, is not true. Their representative did not give me a receipt or email acknowledging return of equipment. So now they have stonewalled me and I can not get past this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Subject : Follow-Up Complaint Regarding GM Financial XXXX Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to formally submit a follow-up complaint regarding GM Financials response to my initial complaint. Based on their letter dated XX/XX/year>, I have identified multiple discrepancies and concerns, particularly regarding their handling of my account, credit reporting practices, and potential violations of federal tax law. 



1. Failure to Issue a 1099-C for the Charged-Off Amount In their response, GM Financial confirmed that a deficiency balance of XXXX was charged off after the repossession and sale of my vehicle. However, they also stated that they have not issued a 1099-C ( Cancellation of Debt ) because they have not determined an identifiable event. According to IRS regulations ( XXXX XXXX XXXX ), a lender is required to issue a 1099-C when a debt is canceled or charged off as uncollectible. If GM Financial has charged off the debt and is no longer actively pursuing collection, they may be in violation of IRS reporting requirements by failing to issue the appropriate tax form. 
2. Possible Incorrect Credit Reporting GM Financial acknowledges that an update to my credit report was necessary due to a discrepancy I pointed out. However, they provide no details regarding what was incorrectly reported in the first place. Additionally, they state that my credit report reflects a delinquency history but do not clarify whether they have properly updated the account status following the charge-off. Reporting inaccurate or misleading information violates the Fair Credit Reporting Act ( FCRA ). 



3. Lack of Transparency on the Deficiency Balance While GM Financial states that they reviewed the account history and determined the remaining balance was accurate, they do not provide documentation or an itemized breakdown showing how they calculated the deficiency balance. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt. Without proper documentation, I can not confirm whether the balance they claim I owe is legitimate. 



Requested Actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 am filing a formal complaint against XXXX XXXX XXXX for violations of the Uniform Commercial Code ( UCC ) 9-506 in the state of Texas, inaccurate credit reporting, and predatory lending practices that raise concerns about the credibility of this companys legal and financial operations.

I have never had an account with this company, nor have I co-signed for anyone. However, XXXX XXXX XXXX is falsely reporting an account under my name as a joint account, which is inaccurate and misleading. 

I previously requested validation of this alleged debt, but your company failed to provide the required documentation within 15 days, as mandated by UCC regulations. Specifically, you did not provide original validation proof that the repossession of the subject vehicle was conducted legally in accordance with the following UCC statutes : 9-506 Effect of Errors or Omissions 9-611 Notification Before Disposition of Collateral 9-612 Timeliness of Notification Before Disposition of Collateral 9-613 Contents and Form of Notification Before Disposition of Collateral Since you failed to comply with UCC 9-506, this account is invalid and must be deleted from my credit report immediately. Your companys continued reporting of this inaccurate information is a clear violation of the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am filing this complaint regarding my Sallie Mae student loans, which have become unaffordable due to high monthly payments. Despite my repeated attempts to find a lower repayment option, Sallie Mae has not provided any reasonable solutions to help me manage my loan balance.

Additionally, I inquired about how some of my other student loans were sold to another company, which allowed me to make payments and significantly reduced my overall loan burden. However, when I asked Sallie Mae about this, the representative claimed they did not know what I was referring to. They stated that my current loans are different from those that were charged off, but I do not understand how this could be the case since they originated from the same company.

Sallie Maes lack of transparency and unwillingness to offer affordable repayment options is unreasonable. I simply can not afford the monthly payments as they stand, and I need a feasible solution to avoid financial hardship. I am requesting a clear explanation of my loan situation and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute an inaccurate credit reporting issue that has caused significant financial harm. On XX/XX/year>, the student loan servicer, XXXX, incorrectly reported a student loanon which I am a co-signeras late. While XXXX has since retracted this erroneous report, the damage to my creditworthiness had already been done. As a result, another creditor took adverse action against me, requiring me to pay all my balances in full, leading to financial losses of up to {$50000.00}. 

Under the Uniform Commercial Code ( UCC ) and the Fair Credit Reporting Act ( FCRA ), both the credit bureau and XXXX hold liability for reporting inaccurate information and the resulting damages. Specifically : UCC 1-203 Obligation of Good Faith : Creditors and reporting agencies are required to act in good faith when handling financial obligations and reporting.

UCC 9-625 Remedies for Secured Transactions : If an entity causes damages due to improper reporting or enforcement, the affected party is entitled to compensation.

15 U.S. Code 1681e ( b ) ( FCRA ) Reporting agencies must maintain maximum possible accuracy in consumer reports.

15 U.S. Code 1681s-2 ( FCRA ) Furnishers of credit information ( such as XXXX ) are responsible for ensuring the accuracy and integrity of reported data.

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