vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am filing a formal complaint against Equifax for its continued violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Despite my repeated attempts to dispute inaccurate information on my credit report from the latest credit report, Equifax has failed to comply with its legal obligations to investigate and correct any errors in a timely and fair manner.

I have sent multiple dispute letters, contacted Equifax by phone, and filed several CFPB complaints, yet I have not received an updated credit report via mail as required by the FCRA. Additionally, I am unable to access my Equifax credit report online, both through Equifaxs website and XXXX. This has significantly hindered my ability to review and verify my credit information. 

Instead of properly addressing my disputes, Equifax has engaged in stall tactics by repeatedly requesting identification documents that I have already submitted. Furthermore, the letters Equifax has sent contradict their own requests, as they claim my name has been changed multiple times, creating unnecessary confusion and delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I came home on XX/XX/XXXX and had XXXX letters claiming to be from Bank of America saying they were closing my accounts ( I have XXXX checking and XXXX savings ) ; I'm only entering XXXX complaint for all XXXX accounts since the issue is the same for all accounts. I called the number on the Bank of America website and they confirmed that the letters were valid and sent me over to the another department. They also confirmed that the accounts were being closed and they couldn't tell me why. That department said they could only spend XXXX minutes on each phone call. The only thing they could do is read a statement that was basically that Bank of America could choose to close an account at any time. At the time I was concerned that my IRS refund was being processed but I verified that it was already deposited. My paycheck, however is unknown since I get paid on XX/XX/XXXX and that is when they are closing the account ; so I was given XXXX XXXX notice of the closure. This is putting me in a difficult situation with not knowing why they are closing the account and the timing of closing it when I'm getting paid. 
The letters don't give me a reason but there is a statement saying they may report this to XXXX XXXX and/or XXXX XXXX XXXXXXXX XXXX So now I have to monitor those to see if there are any negative input from Bank of America and try to correct those. 
I have been a Bank of America customer since XXXX and I just don't understand why they have chosen to close the accounts without any information as to why. 
I have attached a copy of one of the letters sent redacting all personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank is trying to collect a debt from XXXX XXXX XXXX for {$350.00} and I have repeatly asked what, when, where this charge ( s ) occured. This popped up when I was informed by XXXX mail that my information had been leaked. Suddenly, I am getting texts, phone calls, and received a package in the mail from XXXX which tells me that the number is not theirs. Two of my XXXX XXXX credit cards had to be replaced and one had to be closed because of suspected theft. No one is answering my questions and I have clearly stated my concerns of fraud, but without resolve. I do not believe this charge belongs to 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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX I went to a dealership in XXXX, CA. Got a auto loan from Lobel Financial. The car was priced at XXXX. A XXXX XXXX XXXXXXXX. I gave him {$5000.00} ( cash ) upfront down payment. A week later the car transmission went out. I had the XXXX XXXX warranty which only covered XXXX credit. So I was left to pay XXXX out of pocket and the car later had another problem with XXXX and I was unable to use car for transportation to get to work which led to lack of payments for auto loan and the car was repossessed in XX/XX/XXXX. I felt cheated and robbed because I was making payments monthly while the car was of commission in the shop also having problems with car a week after I got off the lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Sunday XX/XX/2025 I was reviewing my banking information and noticed an incorrect charge for a car rental. I was charged {$470.00} when my final receipt was for {$79.00}. I disputed the amount with PNC and they did a provisional credit. Today is XX/XX/XXXX and I received a letter from PNC dated XX/XX/XXXX stating they denied my dispute and would be recapturing the provisional credit of {$400.00}. I sent the documents stating the correct amount. I do not owe this amount and the {$400.00} is monies that should not be extracted from my account by XX/XX/XXXX as the letter stated it will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
According to 15. U.S.C 1692C you have violated my rights by inlawful communication. Please remove this collection off of my credit report, thank you. 

My public information and account number has been shared it's illegal by law 15.U.S.C. 6802. Please remove this negative item from my credit report. Thank you

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
According to 15. U.S.C 1692C you have violated my rights by inlawful communication. Please remove this collection off of my credit report, thank you.

My public information and account number has been shared it's illegal by law 15.U.S.C. 6802. Please remove this negative item from my credit report. Thank you

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 2025-02-19 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: Marlette Funding, LLC
State: OH

Complaint narrative:
We called XXXX XXXX about weeks and a half ago. I don't remember the exact date and requested a XXXX day Payoff. I was not informed at that point they can not provide XXXX day Payoffs via phone call. I was sent a Payoff for that day. I was not told that I have to go online to request a XXXX  day Payoff. My Payoff is short over {$300.00}. I called today to find out why my Payoff was short and find that I was not provided correct information. I was told my account was not notated and that they can not pull the call for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filling a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Equifax credit bureau is violating my rights under The Fair Credit Reporting Act ( FCRA ) by refusing to investigate disputes filed with CFPB. Equifax is refusing to investigate Complaint ID # XXXX filed on XX/XX/year> ; and Complaint ID # XXXX filed on XXXX/XXXX/XXXX. Equifax states in a letter sent to me and dated XX/XX/year> We were unable to locate a credit file in our database with the identification information you provided. However, Equifax is willing to identify me through financial corporations, collection agencies, and other reporting companies that are using inaccurate, fraudulent information to report to Equifax, damaging my financial wellbeing, and my reputation as a consumer. I believe the letter I have received from Equifax shows its unwillingness to properly investigate disputes reporting inaccurately to its credit bureau.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Equifax credit bureau is violating my rights under The Fair Credit Reporting Act ( FCRA ) by refusing to investigate disputes filed with CFPB. Equifax is refusing to investigate Complaint ID # XXXX filed on XX/XX/year> ; and Complaint ID # XXXX filed on XXXX/XXXX/XXXX. Equifax states in a letter sent to me and dated XX/XX/year> We were unable to locate a credit file in our database with the identification information you provided. However, Equifax is willing to identify me through financial corporations, collection agencies, and other reporting companies that are using inaccurate, fraudulent information to report to Equifax, damaging my financial wellbeing, and my reputation as a consumer. I believe the letter I have received from Equifax shows its unwillingness to properly investigate disputes reporting inaccurately to its credit bureau.

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 2025-02-19 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: CA

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report related to my former XXXX auto insurance policy ( Policy Number : XXXX ). 
Creditor Name : XXXX XXXX XXXX ( XXXX ) Original Creditor : XXXX Insurance My XXXX auto policy expired on XX/XX/XXXX, and I did not authorize any renewal or extension. 

However, XXXX unilaterally extended the policy for 18 days and billed me for this period. Since I had not requested this coverage, I did not make the payment, and the balance was wrongfully sent to collections. 

I later settled this collection on XX/XX/XXXX, and my account balance is now {$0.00}. Despite this, the collection remains on my credit report, severely impacting my credit score. My credit score is dropped from XXXX to XXXX just because of this unauthorized collection notice reporting. 

Since this was an unauthorized extension and not a valid debt that I agreed to, I request that this collection account be removed from my credit report under the Fair Credit Reporting Act ( FCRA ). 

Please investigate this matter and remove the collection from my credit report. I would appreciate a written response confirming your actions. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I reported to Citibank unauthorized transactions of {$57000.00}. These were XXXX fraudulent and forged checks that were not written by me because whoever created these fraud checks they used check numbers that were never yet written yet I still have the blank checks in my office. I provided the bank the victim account indemnity agreement on XX/XX/XXXX the day I made the claim with the bank, but on XX/XX/year> I received a letter saying that the bank has completed my investigation and denied it due to not receiving the completed documentation. Now Citibank has declined my fraud claim and has threatened that my accounts will close in 60 days due to violated terms per their client manual saying that this claim is false.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This late payment is out of character for me, considering my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation