vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: Larry H. Miller Group of Companies
State: PA

Complaint narrative:
I have been struggling to make my payments due to illness and two sudden deaths. The bank would email me daily about payments - even after I told them I was dealing with two deaths- they still continued sending me messages. Then on XX/XX/year>2025 AND XX/XX/year>2025 they offered me an option to pay {$36.00} and close out the month then tack the missed payment onto the end of the loan. I paid {$40.00} on XX/XX/year>2025 - however - they are telling me that since I did not specifically type the words " I agree '' - they will not honor the offer and I am still in " late '' status. They are now telling me that to get that to happen, I need to pay another {$58.00}. I did what I was asked and now they are holding me hostage to making another payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
Experian has failed to fulfil 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 systemic 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 despite the evidence I provided, causing on going 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. 

The account is XXXX bureau of the XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
Experian has failed to fulfil 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 systemic 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 despite the evidence I provided, causing on going 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. 

The account is XXXX bureau of the 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 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On Friday XX/XX/XXXXXX/XX/XXXX i received a notice in the mail from XXXX XXXX saying that i could start service on the radio in my new truck, trouble is, i didn't buy a new truck, they ended up say that it was a mix-up and not to bother with it?. 
Then on Monday XX/XX/XXXX i received a late payment notice from Ally saying that my payment was late on a XXXX XXXX XXXX, i never bought a XXXX XXXXXX/XX/XXXX, i then contacted Ally and told them it wasn't me who got the truck, they informed me that the Fraud dept was closed for the day, i asked the girl on the phone what she could tell me about the transaction, she said it was someone with my name in XXXX TX bought a truck at XXXX XXXX auto dealership. 
I then contacted the dealership and talked with one of the finance people and they asked me a few questions and asked me what i look like and i asked why, he stated that he just wanted to know what race i was, i told him i was white and he said they took a copy of the guy who bought the trucks DL and he was a XXXX male and that it showed a XXXX address on the DL, they then stated that they would open an investigation into the matter and get back to me in a few days, then he informed me i should contact the credit reporting companies and report what happened, i told one on the XXXX and the other 2 on the XXXX and one of the people i talked to said i should also file a report with you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX2024 with a balance of {$75000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 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 # ( private case number ) 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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Santander is reporting that I am currently 40 something days past due. Something is wrong with my billing on this account. I pulled all of my statements and this account should be current with my next payment only being {$750.00} owed XX/XX/XXXX. I performed an audit on my account. If you look at my statement for XX/XX/XXXX a payment was made to the account in the amount of {$3000.00} on XX/XX/XXXX from my warranty company ( I cancelled an extended warranty ) and Santander applied this to my account. After that payment was made the next payment due is for XX/XX/XXXX as shown on my XX/XX/XXXX Statement. Pulled my XX/XX/XXXX statement and says I am past due for {$1500.00}. I made XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$770.00}. XX/XX/XXXX statement says I am past due {$1400.00}. I made XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$750.00}. Then I made XX/XX/XXXX 's payment on XX/XX/XXXX in the amount of {$800.00}, bringing the account current and I would owe only {$750.00} on XX/XX/XXXX. You can see on XXXX 's Statement they for some reason re-applied this {$3000.00} payment four months later and then returned it- which I am assuming they applied it incorrectly the first time in XXXX resulting in my account being delinquent and putting me at risk for losing my car and ruining my credit. This in my opinion is not fair to me that I was put in this situation when I was paying on time per what I saw in my account- I feel as though I am being deceived on how they went about this. I have chatted with Santander and kept getting disconnected, I have called with my most recent call being today XX/XX/XXXX at XXXX and the agent sided with me whom I spoke to but informed me his manager thought otherwise that I in fact owe the past due and that they will not correct the problem, and I have sent messages through my account on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, and XX/XX/XXXX at XXXX with no resolve to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: NC

Complaint narrative:
ZION DEBT HOLDINGS is a collection agency attempting to collect a debt purchased from XXXX XXXX XXXX. This isn't the 1st collection agency that has tried to collect on this so-called debt. After explaining to other collection agencies they closed the account. However, Zion is still attempting to collect a debt that should not be a debt. This contract with the alarm company was made in XX/XX/year>2022. In less than XXXX hours of installation, we called XXXX to come out to repair the service. No one ever responded to the service call so we decided to cancel within the 3 days allotted. We called the XX/XX/XXXX and would be on hold for 3 hours at a time. We finally go thru to someone, still within the 3 days allotted, to cancel the service. They advised they would cancel it and schedule a time to pick up the equipment. No one ever called us back to confirm a pick up date and also we realized our credit card was charged the next month for another months service. We went back to calling over and over again with no result. I then contacted my credit card to discontinue auto-draft.Then someone finally called us for payment and we advised the service was supposed to be canceled within the 3 days of installation. Ironically they had no notes of that. i asked XXXX to come and uninstall their equipment and it never happened. We finally wrote a letter and it went unanswered and still with no resolution. And now this is showing on our credit report with an outstanding balance of {$1500.00}.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed Bankruptcy 5months ago however when I got my credit report from my lawyer it showed wrong addresses and other peoples information in my report.According to 15 USC 1681i ( a ) 1 challenges 30 day response time. 15 USC 1681i ( a ) 6 ( b ) 3 challenges investigation protocols.15 USC1681i ( a ) 5 ) B Challenges reinsertion Protocols.all I want is for my report to be accurate and not see my sons information on 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 2025-02-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Equity Sales Finance, Inc.
State: GA

Complaint narrative:
Equity Sales is stating I 30 days late which I have not been since XXXX and they just reported it in XXXX. XXXX has inaccurate address on my profile I told them I never lived on XXXX XXXX but it's still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I was informed that recovering loss funds was impossible and that tracking these transactions was unfeasible. CFPP highlights significant issues with this platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Other First Names : XXXX Date of Birth : XX/XX/XXXX XXXX SSN : XXXX - XXXX - XXXX To whom it may concern I am writing to dispute the following information that appears on my XXXX, Equifax XXXX and XXXX report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Please reinvestigate these matters and delete as soon as possible. 

Thank you for your assistance. 
I personally signed and sent this letter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Other First Names : XXXX Date of Birth : XX/XX/XXXX XXXX SSN : XXXX - XXXX - XXXX To whom it XXXX concern I am writing to dispute the following information that appears on my XXXX, XXXX XXXX and TransUnion report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Please reinvestigate these matters and delete as soon as possible. 

Thank you for your assistance. 
I personally signed and sent this letter. 

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 2025-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: MS

Complaint narrative:
I was not able to dispute unknown charges and forced to change account types.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist has been absolutely horrible I opened my account a couple weeks ago, verified my identity and all that good stuff, had a check I was issued under my alias name XXXX XXXX and called Truist to see if it could be cashed and they told me to go ahead and try to submit it because if it doesnt get accepted it wont hurt my account. Well I try to submit it, and the check comes back as returned which is fine because I guess it was expired and I didnt realize that but I called Truist because my debit card wouldnt let me activate it and Truist stated that they put a freeze on my account because of this and are refusing to help me release the hold on my account. The call center agent didnt know what she was talking about at all, and now I dont have access to my account because Truist wants to make things difficult. I expect the hold on my account ( s ) to be removed effective immediately. This was an honest mistake. Yall dont need to make me jump through hoops for something so simple

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 2025-02-04 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
XX/XX/year>2025 I sent my FTC report to TransUnion with my ID. I have fraudulent accounts reporting on my file. I did not authorize these accounts.

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
Consumer Complaint Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Issue : Unjustified Delays and Denial of Monthly Check Deposits Due to Name Discrepancy I am filing this complaint due to repeated delays and denial of my monthly check deposits. For the past two months, my checks have not been deposited, preventing me from accessing my only source of income.

Most recently, my check was denied again, with the claim that my name was incorrect. I was married in XX/XX/year>2024 and legally changed my name to XXXX XXXX XXXX. My updated identification reflects this change, but my account was initially under XXXX XXXX. After my check was rejected, I followed all instructions to correct my account information to match my official records. Despite complying with these requirements, my check is still being denied. 

Additionally, I discovered that a deposit of {$180.00} was allowed into my account last month under the same exact name used to deny my full check this month. This inconsistency suggests that my funds are being arbitrarily blocked without a valid reason. 

This situation has caused me significant financial hardship. I have been without my monthly check for months, making it difficult to afford basic living expenses. The ongoing delays are also causing extremeXX/XX/XXXXandXX/XX/XXXX. I can not continue living without access to my funds, which are my sole source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: MD

Complaint narrative:
Experian and XXXX are reporting invalid accounts on my credit report and under any law is required for them to show you the original contract mot no XXXX party contract

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Experian and XXXX are reporting invalid accounts on my credit report and under any law is required for them to show you the original contract mot no XXXX party contract

Company response to consumer: Closed with explanation