vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I use Boeing Employee Credit Union ( BECU ) in Washington State. They offer the use of the XXXX service. On XX/XX/XXXX, I received a payment via XXXX from someone who was purchasing a used

camera from me. The payment was successful, and after the transaction and giving the individual the camera, they reported positive experiences a few days later. However, approximately two weeks later, on XX/XX/XXXX, I got an alert from BECU that my XXXX account was on hold. After contacting BECU, they noted that they had received a fraud report from the buyer of the camera ( the payer ) through their bank and have locked my XXXX account. I use XXXX multiple times per month for transactions such as rent, but now I can not use it to either send or receive funds. BECU recommended contacting the party who reported me, but I can not get in touch with them after multiple attempts and there appears to be no way to restore access to my XXXX account. BECU is unable to help at all and says I need to use another payment method. 

I have attached the receipt of the payment that was later reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: NC

Complaint narrative:
I applied for a apartment XXXX they reported to the apartment that I have a eviction and a balance due at XXXX me not knowing where this came from i reached out to them they let me know where it was from which was XXXX XXXX XXXX  back in XXXX we went to court for this problem and the judge found out they they where lying about not taking payments from 3rd party people who helped pay rent. The judge throw the whole case out and said i didn't have to pay nothing in XXXX it was already removed off my credit i applied for a house and it wasn't on there now here we are XXXX and its popping up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
The car was in an accident. The loan company sent people to repossess the car, now are sending them to people 's houses that I barely know looking for it again after the already have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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 not supplied proof under the 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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my JP Morgan Chase account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: OR

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 2025-03-07 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: GA

Complaint narrative:
I recently received a copy of my credit report and realized that there were a couple of fraudulent accounts on my Experian credit report that I did not authorize nor have I ever been associated with any of these accounts that were opened by XXXX  XXXX account was open in XX/XX/year>. The other one was XX/XX/year>. 
They have balances of {$760.00} And {$1300.00}

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 2025-03-07 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$380.00} XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$10000.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX Opened XXXX/XXXX/XXXX - with a balance of {$2700.00} XXXX XXXX XXXX  - Opened XX/XX/XXXX with a balance of {$0.00} There are also fraudulent addresses on my Experian credit report which I do not recognize as reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint #, #, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 2025-03-07 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-03-07 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: GA

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. 

. 
Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : 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 2025-03-07 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: GA

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. 

. 
Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : 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 2025-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Resale Specialist, Inc.
State: NV

Complaint narrative:
THIS DEBT WAS OBTAINED FRAUDALENTLY, I NEVER DID BUSINESS WITH THIS COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MS

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

Dispute of Charge/Item XXXX Civil Negligence and Non-Compliance Dear To, Whom It May Concern : I am writing to formally dispute the charge/item referenced under XXXX, which pertains to an issue of XXXX XXXX and XXXX. I believe that these charges/items are erroneous and stem from actions or omissions that do not meet the required legal or contractual obligations. 

Specifically, the issue in question involves [ briefly explain the nature of the civil negligence and/or non-compliance, such as failure to meet agreed-upon standards, breach of duty, failure to comply with regulations, etc. ]. Due to this negligence and non-compliance, I am seeking a resolution, including an immediate review of the circumstances surrounding this charge/item. 

The relevant details of this dispute are as follows : XXXX XXXX XX/XX/XXXX {$1100.00} XXXX  Account Number XXXX XXXX {$300.00} XXXX XX/XX/XXXX {$160.00} XXXX {$1300.00} XXXX XXXX  negligence and failure to comply with required [ contractual/legal/regulatory ] standards, as outlined in [ relevant document/contract ].

As part of the dispute process, I respectfully request the following actions be taken : 1. A full investigation into the circumstances of this charge and the associated actions that led to civil negligence and non-compliance.

2. A detailed explanation and supporting documentation regarding why this charge/ite
m was imposed despite the failure to meet contractual or legal obligations.

3. A resolution of this dispute, including any necessary adjustments or cancellations of the charge/item.

I kindly request that you respond to this letter within the required time frame outlined by relevant regulations. I trust that this issue can be resolved quickly and fairly, in line with legal requirements and best practices. 

Thank you for your prompt attention to this matter. I look forward to your timely response and an equitable resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I spoke with a representative to inform them that I had recently started a new position after being unemployed for over XXXX months due to a XXXX. I explained that I would be able to resume payments and work toward bringing my account current. The loss of my vehicle at this time would significantly impact my ability to get to work and continue improving my financial situation. 

On or around XX/XX/XXXX, I spoke with a representative again, reiterating that I had just started my new job and would be able to catch up on payments as I began receiving regular paychecks. However, no assistance or options were offered to help facilitate this process. 

On XX/XX/year>, I called and was informed that if my account was not brought current, my vehicle would be repossessed on Monday, XX/XX/XXXX. I offered to make a partial payment and proposed a plan to make larger payments once my income stabilized. However, the representative insisted that I seek financial assistance from someone else and again provided no alternative solutions to prevent repossession. 

I was also informed that, due to the recent purchase of the vehicle, I am ineligible for a payment extension. At the time of purchase, I could not have anticipated being laid off. Customer service representatives have stated that the repossession process is system-generated, offering no flexibility or accommodations for my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
After further investigations of my account, I have noticed a few errors in the reporting of this account. I am filing a complaint against Regional Acceptance Corporation ( RAC ) for multiple violations related to an auto loan that they are misreporting on my credit report. 

XXXX. Unauthorized Loan Assignment I was the original financier of my vehicle and never authorized RAC to take over my loan. 
XXXX  law prohibits unauthorized loan assignments if not specified in the original contract. 
RAC has not provided proof that they legally acquired the loan with my consent.

2. Misclassification of Loan Type RAC is reporting this as an auto loan, but they never had a lien on the vehicle. 
If a loan is not secured by the vehicle, it can not be reported as an auto loan under the Fair Credit Reporting Act ( FCRA ).

This misclassification is deceptive and negatively impacts my credit.

3. Improper Deficiency Balance Reporting After Voluntary Repossession I voluntarily returned the vehicle, but RAC continued reporting a balance instead of properly adjusting the loan. 
If they sold the vehicle, the sale price should have been applied to the balance.

If they forgave any portion of the debt, they were required to issue a 1099-C, which they failed to do.

4. Unlicensed Debt Collection in XXXX  RAC is reporting my debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ), which is not a licensed location in XXXX. 
XXXX Finance Code requires lenders collecting on XXXX  residents to be properly licensed. 
If RAC is not licensed at the address they are using for collections, they may be violating XXXX  law. 
5. Potential Wrongful Conversion ( Theft ) of My Vehicle Since I was the original financier and RAC never had a lien, their possession of my vehicle may have been an unlawful conversion ( theft ).

If RAC had no legal claim to the vehicle, they can not hold it, sell it, or report a deficiency balance against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
XXXX credit card has been reporting on my credit that my card is past due but wont fix the situation, Ive called repeatedly and asked them to send me paper bills every month, I have XXXX cards through them, they send me paper bills for XXXX account but not the other, they wait XXXX months and then report your card as past due even though Ive requested paper bills, I pay all my bills every month in full, I work hard to make sure my credit is good and XXXX has been reporting false information. I told them I can pay the account in full to get me current but they refuse to do so even though its their fault, I dont know what to do at this point besides lawyer up and sue.

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 2025-03-07 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
Ive been shopping for car insurance and discovered that an erroneous claim is being reported on my CLUE report which have been negatively impacting my insurance rates since XXXX. 

From what I recall, I contacted XXXX and inquired if something or someone was to strike my vehicle what would be the outcome regarding deductible and future insurance rates. Unbeknownst to me, the agent I spoke with, reporting this inquiry as a claim on my insurance file, thus creating a negative impact on my CLUE report and driving my insurance rates up. 

There was no payout for this inquiry and there should not have been a claim reported. 
This information needs to be deleted from my CLUE report immediately upon receipt of this notice as it was placed on my file erroneously and has resulted in financial strain. 

Claim # XXXX Date : XX/XX/year> Reporter : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, the Experian 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 receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX XXXX opened on XX/XX/XXXX, a mobile phone account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, an apartment debt collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts 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