vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I have been sending multiple requests for months, since XX/XX/year> requesting cancellation of the pre-paid maintenance plan and vehicle service agreement ( VSA ) purchased with my vehicle and every time the dealership just ignores my requests and does not cancel the contracts. The contracts stipulate that after 30 days, the buyer can still cancel the contract at a pro-rated rate based on usage and mileage, minus a {$50.00} service fee. I have reason to believe the dealership is purposefully delaying the process, or not initiating the process at all in order to minimize the refunded pro-rated amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
My student loan application containing sensitive information such as my social security number and financial information were shared with the nonvetted non government entity XXXX. I did not authorize this action and did not give consent verbally or via signature to allow this XXXX party to access the most sensitive information about me.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: NY

Complaint narrative:
To Whom it May Concern, I recently received a notification from my home insurance company saying that my policy is about to expire. My insurance is supposed to be paid by my mortgage company ( Selene Finance ) as part of my monthly payments are held in escrow for them to pay my insurance company to renew my policy. When I tried to reach them they were unavailable by both email and phone. You can not contact a live agent via phone and no one responds via email. 

My insurance payment must be received by XX/XX/year> and I have not received a response and still can not reach someone from Selene Finance to help answer my questions and ensure my home insurance will be paid for. 

Phone Numbers I have Called : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Email addresses I have reached out to : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was exposed in a data breach, with XXXX XXXX Hospital and with Equifax, in the data breach all my personal information was breached exposed. I want all the information on my credit report to be removed. It is nor far that my information was breached someone was working in XXXX in my name i have never live in XXXX before. 


Thank 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 2025-02-09 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: Certegy Holdings, LLC
State: PA

Complaint narrative:
I believe incorrect credit reporting and things that should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 believe incorrect credit reporting and things that should be removed

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 2025-02-10 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: TX

Complaint narrative:
On XX/XX/XXXXXXXX  I checked my credit report and noticed a charge - off from XXXX XXXX  account number XXXX that was charged - off in XX/XX/XXXXXXXX  that is continuing to show a charge - off status every month since, and I never received a 1099 - C from this account. According to the Fair Credit Reporting Act 15 U.S.C. 1681- e [ b ] - Maximum Possible Accuracy, and 15 U.S.C . - 1681- g. With this account being charged- off and reporting every month since XX/XX/XXXXXXXX  is an error, because a charge- off should be reported as income on my 1099-c not debt 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 non-monetary relief
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
On XX/XX/XXXXXXXX  I checked my credit report and noticed a charge - off from XXXX XXXX  account number XXXX that was charged - off in XX/XX/XXXXXXXX  that is continuing to show a charge - off status every month since, and I never received a 1099 - C from this account. According to the Fair Credit Reporting Act 15 U.S.C. 1681- e [ b ] - Maximum Possible Accuracy, and 15 U.S.C . - 1681- g. With this account being charged- off and reporting every month since XX/XX/XXXXXXXX  is an error, because a charge- off should be reported as income on my 1099-c not debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Over the last XXXX years experian has encountered several major security breaches. Beginning in 2021 i habld to file disputes in order to maintain tain a XXXX credit score. I never received any positive responses nore did experien, equivalent or XXXX XXXX remove any of the items on my report which would ultimately cause a rapid decrease in my credit score. Though challenged these companies still failed to notify me of these breaches which compromised my personal information. I've tried to get my score back to XXXX, with no positive affect from either of these XXXX companies. Now there has been another major security breach. I simply want them to place my score back where it was and remove all negative items off of my 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 2025-02-09 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened these fraudulent accounts consist of a personal credit card account opened at, XXXX BANK, opened on XXXX XXXX balance of {$920.00} XXXX XXXX XXXX opened on XX/XX/XXXX XXXX balance of {$31000.00} XXXX, opened XXXX XXXX balance of {$1100.00} XXXX XXXX, opened on XXXX XXXX balance of {$200.00} XXXX XXXX  CREDIT CARD, Opened XXXX XXXX balance of {$300.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging of posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA ss. XXXX ( b ) or 15 U.S.C. XXXX XXXXXXXX ( c ) ( XXXX ), that you, the TransUnion, XXXX, and XXXX, reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of : XXXX ) XXXX  XXXX BANK XXXX XXXX ) XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The credit report maintained by you, which shows the aforementioned fraudulent items I do not recognize these accounts, collections, or hard inquiries as reported. In fact, I've been incarcerated since XXXX XXXX2022 in which I couldn't have created these accounts while incarcerated. The aforementioned accounts, collections, or 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. I have the FTC identity theft criminal complaint number XXXX as proof from the U.S. FTC that all of the aforementioned consumer credit accounts, collections, and hard inquiries, are the result of identity theft and fraud.

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 2025-02-09 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: LEXISNEXIS
State: PA

Complaint narrative:
I believe incorrect credit reporting and things that should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, nj XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence Dear Credit bureau I am writing in reference to the notice I received regarding the civil liability claim for negligence under the reference number XXXX. After carefully reviewing the situation, I believe that the claim of negligence is unjustified, and I respectfully dispute the liability. 
I would like to clarify the following points : XXXX. Lack of Negligence : Based on my understanding of the events leading to the alleged negligence, I do not believe my actions or omissions were negligent in any way. I took reasonable precautions and acted with due care, and I am confident that I did not fail in my duty of responsibility. 
XXXX. Absence of Evidence : To date, I have not been presented with any clear or convincing evidence to substantiate the claim of negligence. I respectfully request that you provide any documents, statements, or other evidence that support the assertion of negligence in this case. 
XXXX. Details of the Alleged Incident : If the claim is based on a specific incident or event, I request further details, including the date, location, and circumstances surrounding the incident. I would also appreciate clarification on how my actions, or lack thereof, directly contributed to the alleged negligence. 
In light of the above, I request that you review the facts of the case and provide a full explanation of why this civil liability claim is being made. If necessary, I am prepared to provide further documentation or clarification from my side. 
Please respond in writing within XXXX days to resolve this matter. I am confident that upon review, it will be clear that I am not liable for negligence. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Formal dispute of inaccurate credit reporting under FCRA and consumer law i am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the fair credit reporting act ( FCRA ), 15 U.S.C. XXXXi, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the cosumer financial protection bureau have brought to light significant concenrs regarding experian and XXXXXXXX XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under FCRA. 

As per 15 U.S.C XXXXi ( a ) ( XXXX ) XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX days. Furthermore, under XXXX XXXX XXXXi ( a ) ( XXXX ) any information found inaccurate, incomplete, or unverifiable must be promplty deleted or corrected. Failure to adhere to these requirements constitutes a violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I am filling a complain against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 2025-02-10 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 non-monetary relief
Consumer complaint received 2025-02-09 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: AZ

Complaint narrative:
I recently disputed a medical bill from XXXX XXXX that is showing on my Experian credit report. Experian stated that the medical bill from XXXX XXXX " has not been changed and will remain on your credit report ''. However, Experian failed to produce the following : XXXX. PROOF OF VERIFICATION XXXX. METHOD OF VERIFICATION XXXX. MOST IMPORTANTLY, PROOF THAT XXXX XXXX CAN EVEN LEGALLY COLLECT ON THE ACCOUNT. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian. As stated in the CFPB lawsuit, Experian does not take sufficient steps to intake, process and investigate disputes. Experian routinely and uncritically accepts the original furnishers response to the disputed information. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report. I am personally being affected by the very reason that Experian is being sued. This failure is causing inaccurate or unverifiable accounts to be unresolved yet remain on my report. Experian is wrongfully causing ongoing harm to my credit standing as well as violating federal law and my rights as a consumer. I therefore request that immediate corrective action is taken and for Experian to permanently delete the XXXX XXXX  account from 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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, I used XXXX through my Chase Bank account to send a total of {$880.00} & {$110.00} to individuals who misrepresented themselves and their intentions. I was deceived into believing the transactions were legitimate and that I would receive a service/product in return. After completing the transaction, and being blocked on facebook messenger by the sellers, I realized I was the victim of a scam and attempted to resolve the matter. 

I immediately contacted Chase Bank to report the fraudulent transaction. I requested that Chase investigate the matter, provide documentation of their findings, and consider reversing the transaction or offering a refund under fraud protection policies. However, Chase informed me that no further action would be taken because the transaction was authorized, even though it was conducted under false pretenses. 

I also attempted to contact XXXX directly for assistance, but I was unable to reach a live representative to discuss my fraud claim. XXXX 's lack of a direct fraud resolution process left me reliant on Chase Bank, which refused to provide any resolution or follow-up documentation despite my repeated requests. 

This experience has caused me financial loss, frustration, and wasted time trying to recover my money. I believe Chase and XXXX should take responsibility for fraud committed through their platform and provide better consumer protection and support. I am requesting assistance from the CFPB to ensure proper investigation and resolution, including the recovery of my funds.

Company response to consumer: Closed with explanation