vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly 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 non-monetary relief
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am so exhausted I've been trying to correct things with transunion but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. 

please help me as these aren't my accounts Genesis XXXX XXXX {$7800.00} kickoff {$0.00} XX/XX/year>

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX account number XXXX, XX/XX/XXXX Account Number XXXX, XXXX XXXXXX/XX/XXXX Account Number XXXX,XX/XX/XXXXAccount Number XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item 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 non-monetary relief
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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX account number XXXX, XX/XX/XXXX Account Number XXXX, XXXX XXXXXX/XX/XXXX Account Number XXXX,XX/XX/XXXXAccount Number XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: PA

Complaint narrative:
I am submitting a complaint against Bounce AI. On XX/XX/year>, I sent a debt validation request to them as required under the Fair Debt Collection Practices Act. The request was for them to validate the debt they claim I owe. It has now been over 30 days, and they have failed to provide any response or validation of the debt. This is a violation of my rights under the FDCPA, and I am requesting that the CFPB investigate the issue and ensure that the collection agency follows the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Amscot Corporation
State: FL

Complaint narrative:
Hello, on the date XX/XX/year>2025 I bought 2 monney orders one for {$200.00} dollars and one for {$1000.00} dollars and I deposited them into my bank account atXX/XX/XXXX and the bank returned the money orders as fraudulent checks. 


That caused the bank to freeze my funds for a month and in the end they ended their relationship with me by closing my account that affected my image and my credit I dont know why the money orders didnt have funds. 

Maybe an Amscot employee deposited the money orders first before selling them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: KS

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX of XXXX. I was pressured to sign paperwork before I had the car, including telling the financial institution that I had the car, when I did not. I will attach the texts. Upon receiving the car, I was upset right off the bat. The car was dead, and I could not get the door open. I had to research how to get into the car when the battery is dead. The car has an electrical short that the dealership had to be aware of. Also the gas tank leaks. Yes. The gas tank leaks gas all over the ground. 

Both the bank and the dealership are equally responsible on this part. It took me 5 months to get the title, so therefore I do not have a tag for the car. I went to have the car inspected for registration 4 times before anyone helped me figure out what was going on. Westlake Financial told me and the XXXX  XXXX XXXX that the process for an out-of-state title transfer is 40 days. They stated we were on day XXXX, and then it would be sent. I waited a month and then called Westlake again. This time they denied ever completing the out-of-state transfer. They then told me to go to the dealership. The dealership told me to go to the bank. I finally got the title last week, after 5 months. 
The car did not pass a safety inspection due to the leaking gas tank. Also the amount of rust on the car is horrible. The dealership did not disclose any of these issues. Nor did they inform me that the tires were rotted from the inside. I was in an accident last week as a tire blew out while I was on the highway, going to get a XXXX  XXXX. I was told by the dealership that I had a 90 day warranty in case anything went wrong. They have since refused to make right on that.

Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX is attempting to collect an assumed debt that is well beyond the statute of limitations and by law is not allowed to be collected past the statute of limitations on the type of debt. A debt validation letter was requested and have not been received. This collection was placed on my credit report by TRANSUNION without me being notified and without being verified. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

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: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX Bankruptcy XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - XXXX XXXX bankruptcy XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX bankruptcy XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXXXXXX - XXXX  XXXX bankruptcy These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: NY

Complaint narrative:
I've mentioned this several times now, I really need your help to address the problem of my stolen identity. Please take quick action to remove the fraudulent entries and update any other inaccurate information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I activated the AMEX gift card for {$150.00} recently at a XXXX on XX/XX/year>. I've tried to use this card with multiple online and XXXX  XXXX  as well as tried adding it to my XXXX XXXX XXXX. 

I am unable to add it or use it anywhere. 

AMEX was not helpful. Merchants tell me to contact AMEX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CO

Complaint narrative:
Had {$2000.00} in a XXXX  account for cryptocurrencies, XXXX decided they didn't want to offer this type of account any more and transferred to XXXX. XXXX  XXXX  for transferring money out of the crypto account before handing over to XXXX  did not work and the notice and window to do so was very short. 

Anyway, I reached out to XXXX  to get access to the funds, I had to create another account, on their platform, upload my drivers license, social security number, etc and wait days to be " verified '' I've emailed support for XXXX weeks now trying to find out where my funds are yet there is only an occasional " we're working on it '' type response. 

I've never heard of XXXX, I've never asked for XXXX  There's no phone number, live chat, physical office, just an email address. 

Why do I have to prove my identity and jump through a bunch of hoops for a company that doesn't even have a phone number?

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, Equifax and transunion did not properly investigate 15 USC 1681i ( a ) 6 ( B ) 3 these accounts never got properly investigated also 15 USC 1681i ( a ) 1 says they have 30 days to respond and its been 78 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove these accounts they aren't mines.

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: Struggling to pay your loan — Denied request to lower payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reached out to Fifth Third bank spoke with representative by the name of XXXX, I advised of financial hardship due to XXXX XXXX XXXX XXXX XXXX XXXX, and asked of any options available to assist to keep my account in good standing, I have been paying this loan a little over 4 years and she advised she did not have any options available been that I had utilized deferment in XXXX and XXXX. She proceeds to threaten me my vehicle could be eligible for repossession, I again asked well being I been a good customer and Im reaching out to get any type of assistance that could help me, she stated she had none available, I then asked after a series of back and forth could I speak with a supervisor, she was hesitant about getting a supervisor kept giving me all the reasons why I should not be speaking with a supervisor. So I asked her was she refusing my request, then she place me on hold told me her sup was in a meeting and she would call me back in 48 hours, I then asked w is there any manager on duty that I could speak with, Then after the 3rd hold she place a gentleman on the line who states his name is XXXX and he advised he was the manager in the hardship department. Explained to him my situation for hardship. He states the only options available would be to surrender my vehicle or change my due date which he states could take a while due the requirements that were needed. I explained to him if I wanted to surrender my vehicle that would defeat the purpose of the call, I feel like if you a customer who is seeking help for assistance to remain in good standing, why is there not any options to help me. Im not refusing to pay just merely asking for a compromise so I can fulfill the terms of this loan. I am in a position where I had to choose between my health and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am filing a complaint against Truist Bank regarding their denial of my business loan application. I believe this denial constitutes an adverse action that violates the Equal Credit Opportunity Act ( ECOA ) and related regulations.

The reason provided for the denial was : " Lack of establishment earnings record or earnings insufficient for the amount of credit requested '' This reason appears insufficient and may not comply with ECOA requirements for transparency and specificity [ 1 ] [ 2 ]. I believe it fails to fully explain the circumstances of my application and could suggest discriminatory practices or failure to follow proper non-discriminatory procedures as required by law [ 3 ].

Specifically, I believe Truist Bank 's actions violated : 1. 15 U.S.C. 1691c ( Equal Credit Opportunity Act Notification of Adverse Action ) 2. 15 U.S.C. 1691 ( Discrimination Prohibited ) 3. 15 U.S.C. 1681m ( Duties of Creditors Regarding Adverse Action ) 4. 12 CFR 1002.9 ( Regulation B Adverse Action Notifications ) The ECOA prohibits discrimination in credit transactions and requires creditors to provide specific reasons for credit denials [ 4 ]. Creditors must evaluate applicants based solely on their creditworthiness and provide clear, non-discriminatory explanations for adverse actions [ 5 ].

Additionally, I am concerned about Truist Bank 's use of my personal financial information, including my Social Security number/credit card, without granting credit or providing any benefit. This raises concerns of unauthorized use and potential fraudulent activity, which may violate the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681n ( willful noncompliance ) 2. 15 U.S.C. 1681o ( negligent noncompliance ) I request that the CFPB investigate whether Truist Bank has complied with all relevant laws and regulations in processing my application and issuing the adverse action notice. I also ask that they be required to provide a more detailed explanation for the denial that aligns with ECOA requirements and to address the concerns regarding the use of my personal financial 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 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I can't express enough how frustrating and overwhelming this situation is. Waking up to find a debt on my record that I know nothing aboutcompletely unverified and not minehas been shocking. On top of that, I've been bombarded with harassing messages and calls from different platforms using various tactics. I never imagined I'd be facing threats of legal action over something I have no connection to. As a law-abiding citizen, it's incredibly insulting to have my consumer rights blatantly disregarded. This ordeal is affecting my mental health, and Ive been losing sleep over it for days.

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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have been dealing with an identity theft issue. I received a letter from XXXX XXXX stating that they had a security breach with personal information back in late XX/XX/XXXX. After having an initial false credit application stopped after I verified that I did not apply for one back in the beginning of XX/XX/XXXX, I put a fraud alert on the 3 credit bureaus. In mid XX/XX/XXXX, I received a 1099-G form for taxes with regard to unemployment benefits. I have never applied for unemployment. I filed a fraud complaint with state unemployment agency, alerted my Company and it was recommended that I put a credit freeze on all 3 credit bureaus. I successfully put security freezes on XXXX and XXXX. However, when I tried to put a security freeze on Experian in the XXXX week of XXXX, I was told that my information did not match ( Cell phone # or Email Address ). I was instructed to upload proof of identity ( License and utility bill ) to Experian 's portal which I did immediately. I was told it would take 1-3 days to process. I called back 5-6 times with the same result. First you have an automated message asking for personal information. Then it prompts to ask what your business is. The only way to speak to someone on this system is when you say fraud or identity theft. Then you wait for 40-45 minutes for someone to answer. When you tell them the issue, they tell you have to speak to " Membership ''. There is no way to get to the membership department. I was given a direct line and all calls go back to the central automation prompt. When you ask for : '' membership '', it refuses to transfer to a live person. I tried to do a security freeze on line as well and someone has created an account under my information using a fake email address and phone number.

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