vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-03 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:
I am formally disputing the repossession reported on my credit file under XXXX XXXX XXXX XXXX account # XXXX. This repossession is inaccurate and must be removed from my credit report under my rights outlined in 15 U.S.C. 1601 ( Truth in Lending Act - TILA ), 15 U.S.C. 1681 ( Fair Credit Reporting Act - FCRA ), and specifically 15 U.S.C. 1681 ( b ) ( Written Consent Required ).

Reason for Dispute : 1. Violation of 15 U.S.C. 1601 ( TILA ) : My original loan agreement may have contained discrepancies, unclear disclosures, or misrepresentations that invalidated the lender 's right to repossess the vehicle. I request a full review of the legality of this repossession.

2. Inaccurate Credit Reporting ( FCRA Violation 15 U.S.C. 1681s-2 ) : The Fair Credit Reporting Act requires all information on my credit report to be accurate, verifiable, and fair. The date last active & date of last payment is incorrect. Also, if the lender can not provide proof that this repossession was lawful and properly executed, it must be removed from my credit report. 
3. Written Consent ( 15 U.S.C. 1681 ( b ) ) : Under 15 U.S.C. 1681 ( b ), the sharing of my credit information with third parties, including repossession agents or debt collectors, requires written consent from me. If consent was not properly obtained, in this case I never gave written consent, the reporting of this repossession is a violation of the Fair Credit Reporting Act.

No E-OSCAR Processing Manual Investigation Required.

I am formally requesting that this dispute not be processed through the automated E-OSCAR system. The use of E-OSCAR has been shown to result in inadequate investigations that fail to fully verify the accuracy of disputed information as shown in the most recent lawsuit ( Consumer Financial Protection Bureau vs. Experian Information Solutions , Inc. Case Number : 8:25-cv-24 ) Instead, I demand a manual investigation by a qualified Experian representative, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), which mandates a reasonable investigation of disputed information.

Requested Action : Immediate deletion of this repossession entry from my credit report.

Investigation into the accuracy and legitimacy of this account, including verification from the lender showing my wet ink signature on original contract/promissory note. 
Cease all negative credit reporting related to this matter until the dispute is fully resolved. 
Legal Obligation to Respond Pursuant to 15 U.S.C. 1681i, Experian is required to investigate and respond within 30 days. If this information can not be verified, it must be removed from my credit report immediately. Failure to comply with these federal laws may result in legal action by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist bank, is always taking money out and over drafting my account. I will have the money in there and the following morning my account is over drawn. This is ridiculous that this bank continues to get away with this. They will hold charges until you get down to the minimum and then let the charge go through that is going to over draft your account even if that payment should of come out 2-3 days ago. I have called the Truist customer services after waiting 30 min and then upon lady coming on phone I told her what was going on and she put me back on hold for another 30 minutes. You cant get a hold of anyone in hirer power to straighten this out. There automotive messaging will send you an update on the funds in your account and if you don't go check it. When you call they act like the funds was not there when the withdrawal came out which is a lie. Because once it is processed it all drops down together and it will make you look like you have over overdrawn your account but the day that the charges come through it does not. This bank has got everyone fooled with there making up of there own rules and I am so sick of it, it is XXXX. Cant get CEO XXXX XXXX XXXX email and/or XXXX XXXX XXXX XXXX President for VA email and or a number he can be contacted at.

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 2025-03-03 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
America credit acceptance has been reporting missed payments for 4 years on my account which is false and a lie. I have never missed a payment and I sent several disputes and nothing has been resolved yet. My account was on auto pay that the set up I also over paid for my car and want my money back

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 2025-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
There was internet payment sent from ACH : XXXX ( sent on XX/XX/year> and cleared on XX/XX/year> by XXXX housing department ) to XXXX, total amount {$2900.00} for several accounts and {$610.00} should go to account ending in XXXX. 
XXXX never replied if they investigated ACH : XXXX. Then they sent account ending in XXXX to Radius global for collection. Radius collection pretends they collect a real or valid debt.

This is an exploitation loop, a grey area to take advantage of.

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 2025-03-03 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
In the middle of XX/XX/year> my checking account was hacked. The hackers charged 10 items or less using our name, address, account number, and IP address. They made it look like my wife and I made the purchases. We did not make the purchases and disputed the charges immediately. I get a letter in the mail dated XX/XX/XXXX saying that my claim was denied. As a result I will have to pay over {$200.00} for charges that I did not make. On XX/XX/XXXX the money was taken out of our account. I have called M and T Bank many times about this issue. I was not able to resolve it with them. We did not make these charges. M and T Bank says that we did make these charges. They said that I have to contact the merchant to dispute the matter further.

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 2025-03-03 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-03-03 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-03-03 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: NH

Complaint narrative:
Information breach, ferpa and education act violation, not providing information about account. Unaware my account was sold

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 2025-03-03 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: NH

Complaint narrative:
Information breach, ferpa and education act violation, not providing information about account. Unaware my account was sold

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 2025-03-03 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: NH

Complaint narrative:
Information breach, ferpa and education act violation, not providing information about account. Unaware my account was sold

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
A global complaint was logged under my account with American Express travel team on XXXX XXXX. The global complaint was regarding a cancellation of my parents flight ticket accidentally done by the travel team. 

I was informed on XXXX XXXX that the global complaint was resolved and the travel team of American Express has accepted their mistake and was going to issue me a check of XXXX $/-. 

As of XXXX XXXX I have still not received a refund check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-03 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: MI

Complaint narrative:
Company failed to investigate and remove XXXX XXXX. XXXX XXXX has already been flagged and removed from XXXX for being a fraudulent account attempting to collect funds that they are not entitled to. XXXX removed the account immediately following an investigation. Company failed to investigate issues just as they have other issues in the past. company also ignored CFPB dispute

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 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: AL

Complaint narrative:
I am following this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency it remains on resolve our request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. as a consumer, I am notifying you that I dispute this alleged debt pursuant to 15 USC 1692 g. I request that you provide me Verification of this alleged debt. Verification consists of a formal where you swear to the truth of the statements of the fact of the matter, have first hand knowledge and must be notarized. 

Since this debt is disputed pursuant to the fair debt collections practices act you are required to cease all collections of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 


I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information In my name to the consumer reporting agency

Company response to consumer: Closed with non-monetary relief