vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
I don't recognize this account number or balance or status this was not done by me there are also addresses and inquires don't belong to me or authorize by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
I don't recognize this account number or balance or status this was not done by me there are also addresses and inquires don't belong to me or authorize by 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 2025-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I applied for a loan with One Main Finance for {$20000.00}, for XXXX  months at a XXXX  % APR. I started this process through XXXX, a third party. The loan advertisement said it was a secured loan but did not describe any details on what that meant. XXXX took me to a link where I could apply for the loan directly through One Main. I filled out the information and was told I was pre-approved and One Main would be in touch to get more information. The next day, XX/XX/year>, I spoke to XXXX. I informed him the exact loan I was applying for and he began getting my financial information, such as how long I had been making payments on my auto loan. I told him I had only been paying on it for a few months. At this point I should've been informed that the loan I was interested in was a secured loan that would use the equity on my auto loan as collateral but I was not. XXXX continued to gather my information to run a full credit application. He called me later on and informed me that I was approved for a {$9000.00} loan, I did not get any more details about that loan because I immediately asked what happened to the other loan I applied for. It was at this point that XXXX informed me of the secure loan qualifications and the use of my car loan equity as collateral, after my credit was already run. While I understand that I started this process through a third-party app, I believe it should be One Main 's responsibility to ensure that their third-party partners are giving crucial information of the loan requirements they are allowing the third-party to advertise. At the very least, their loan specialists should be disclosing this information before running the credit application. Again, I believe they are purposefully not disclosing this information to allow people to apply for one loan and offer them a different loan after running the application, a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
I am submitting this formal complaint regarding inaccurate and harmful information being reported by TransUnion on my credit report. 

TransUnion is currently reporting a collection account in the amount of {$1200.00} from XXXX XXXX XXXX, allegedly connected to XXXX XXXX Bank. I am writing to dispute this reporting, as I have no knowledge of this debt and have never held any account with either XXXX XXXX  or XXXX XXXX XXXX related to this amount. 

Attached to this complaint is a letter from XXXX XXXX XXXX clearly stating that there is no record of any account or collection activity associated with my name or Social Security number in their office. This letter confirms that the account should not exist and should never have been reported to any of the credit bureaus. 

As such, I am requesting the immediate deletion of this erroneous collection account from my TransUnion credit report, and ask that the CFPB take appropriate action to ensure that TransUnion complies with the Fair Credit Reporting Act ( FCRA ) by only reporting accurate and verifiable information. 

Included with this complaint : The letter from XXXX XXXX XXXX confirming no record of any account in my name A copy of my TransUnion credit report showing the disputed entry Thank you for your time and assistance. I look forward to your prompt resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
When I checked my credit report this morning, I was surprised to see inaccurate accounts listed, and I have no clue why theyre there. I checked it like I usually do, but this time there were strange inconsistencies. I thought it might be a browser issue and refreshed the page, but the errors didnt disappear. Due to this, I kindly ask that the documents Ive submitted be carefully reviewed to put my mind at ease.

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 2025-04-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Sunlight Financial LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX were installed at my residence in XXXX of XXXX. The XXXX XXXX  did not work for XXXXXXXX XXXX XXXX  year. 

Since then, only XX/XX/XXXX XXXX  are producing power, I am able to monitor activity via XXXX application. We are currently going on XXXX years with this system installed where for XXXX  months the system did not work. The rest of the time only XX/XX/XXXX XXXX  have been working. I have been in contact with XXXX XXXX and XXXX XXXX XXXX to get a resolution to the ongoing problem or possible reimbursement and it has been nothing other than one big merry-go-round.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
I am writing to formally dispute the reporting of an inaccurate and fraudulent collection account on my Experian credit report. 

Experian is currently reporting a collection account in the amount of {$2300.00} from XXXX XXXX XXXX, an account that I unequivocally do not recognize or owe. I have never opened any account with the original creditor allegedly tied to this collection, nor have I ever had any dealings with XXXX XXXX. 

Attached to this complaint is a letter directly from XXXX XXXX XXXX stating that they are unable to locate any account in my name. This proves that the account being reported by XXXX is false, unsupported, and invalid. 

I am requesting immediate intervention by the Consumer Financial Protection Bureau to have Experian delete this collection account from my credit report without delay, as its continued presence is causing undue harm to my credit profile and is a violation of the Fair Credit Reporting Act. 

Attached are the XXXX XXXX letter and a copy of my Experian credit report reflecting the erroneous collection entry. 

Thank you for your assistance in resolving this matter swiftly.

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 2025-04-11 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: PR

Complaint narrative:
I have my XXXX  account under a long and extended review that started on XX/XX/year>, and according to XXXX  this review could take up to 30 days. But in the meantime they said I can sell and transfer to my bank. 
This week I sold some XXXX since I have some financial urgencies to cover and I submitted a withdrawal to my XXXX Bank as usual, the bank that I been using with them for the last XXXX yrs +. 

The request got denied and the reason they stated is that I need to withdraw to an old XXXX acct that has been closed many years ago. I explained them the situation, and they required me to provide with a letter of account closure. 
I've called XXXX and they told me that unfortunately they can not provide me with any letter since I'm not longer on their system since they don't keep databases older than XXXX yrs of accts closures. 

I have a significant amount of money with them and XXXX  is making my life so miserable, I suffer from XXXX  XXXX  and stress and this situation is affecting my health greatly and is interfering with my daily activities. 

I'm really concerned because I found many people on my same situation online, and this is a huge red flag about the way XXXX  is been operating lately, indicating a systemic problem they have. 

I need XXXX  to end my crypto review by XX/XX/year> and to restore XXXX withdrawals immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
So I recently had some charges I didn't recognize on my Capital One checking account in XXXX and I called in to Capital One. Reported the charges they gave me provisional credit. Then about XXXX  months later they reversed all the provisional credit because they said that I was the one at fault and I did make those purchases which is completely false. I never made any of those purchases so attached below is my statement and i highlighted all the charges that they originally provisionally credited me that I didn't make It equals {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
I don't recognize this account number or balance or status this was not done by me there are also addresses and inquires don't belong to me or authorize by 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 2025-04-11 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: WI

Complaint narrative:
I am writing you about the compromising of my social security number. I am a victim of Identity Theft due to the Equifax Data breach. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or accounts I have opened. It is the result of identity theft. 
XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
We have an issue with XXXX XXXX XXXX XXXX failing to complete a lease buyout. It's been over 90 days and we do not have the title for our car. 

We made the buyout payment on XX/XX/XXXX, and uploaded the Odometer Statement on XX/XX/XXXX, as instructed by Kia Finance America. 

We received the bill of sale for the transaction from XXXX XXXX the week of XX/XX/XXXX but no title for the car. We waited a few more weeks hoping to receive the title, but it never came. On XX/XX/XXXX, we called KIA Finance of America and opened a case ( # XXXX ). Over the next 5 weeks, we called KIA Finance America multiple times, but no one was able to solve our issue of the missing title. 

Feeling hopeless and lacking faith in Kia Finance of America, we reached out [ over the phone and in person ] to the California DMV. The DMV agents informed us that there is still a lien on the vehicle and they had no correspondence from Kia Finance of America since early XX/XX/XXXX. Assuming the original title was lost, the DMC agent provided instructions for completing form REG 227 to release a lien on the vehicle that Kia needed to fill out and notarize. 

On XX/XX/XXXX, we called Kia Finance of America again, uploaded the DMV form to the Kia Finance of America website, and shared the instructions for filling out the form ( including the requirement for notarization ). We spoke with a supervisor who promised to send us the completed form in three days. 

As of XX/XX/XXXX, we have not received the car 's title. We called Kia Finance of America yet again, only to find out that nothing was done on our previous request. We opened a new case ( # XXXX ). Once again, we were asked to wait a little longer. 

This whole situation seems hopeless. We had completed the buyout to re-sell the car. We were pushed into this situation by the Kia lease contract that prevented us from selling the car to a 3rd party. This leased vehicle could only be sold to a KIA dealer. We went to the XXXX Kia ( XXXX, CA ) Dealership to do just that, but their salesperson lowballed the price at 25 % below offers we already had from XXXX and other local dealers. Seeing no other option, we committed to buy out the lease with plans to resell. 

We need to sell this car because this was my husbands car and he was diagnosed with XXXX ( XXXX XXXX ) on XX/XX/XXXX. His physical state has degraded and he is not fit to drive and quite frankly we need the money. Please help us complete the buyout and take ownership of the property weve already paid for.

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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: KY

Complaint narrative:
There have been many times I have gotten paid late or my account would freeze and had to contact costumer support from cash app and there would be no solution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-04-11 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-11 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-04-11 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I placed an order for a phone through Best Buy on XX/XX/year>. According to tracking information ( XXXX tracking # XXXX ), XXXX marked the package as delivered, but it was mistakenly delivered to the wrong address. I contacted XXXX immediately, and they informed me they would speak to the driver and follow up with me the next day. Later that evening, the package was dropped off at my correct addressbut the box was empty. 

I followed up with FedEx, but they stated that since the package was marked as delivered to a residential address, their responsibility ended there and advised me to contact Best Buy. When I contacted Best Buy, they confirmed that they had provided the correct shipping address to XXXX and advised me to file a claim. 

Both companies directed me to open claims, which I did. However, each claim was ultimately closed with no resolution, and I was told I would not receive a refund. XXXX continued to state that I needed to resolve the matter with Best Buy. 

Due to the lack of resolution, I filed a police report, but there have been no updates after several months. I am still without the product or a refund. 

Link for XXXX tracking : XXXX XXXX XXXX  XXXX & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I opened Cashapp App to get my QR code to send to family. The QR code allows people to scan to send you money to your Cashapp account. 

I signed in and a screen popped up stating my account was closed. 

I contact Cashapp to see whats going on. I was prompted by the Cashapp XXXX to withdraw any money I had in the account. 

I asked for the reason, and the date the account closed. I was not giving a date, or specific reason. I was giving a section of the terms of service as to why an account MAYBE closed ; with different senerios. 

I was told I can appeal and wait 30days. 
How can I appeal a decision about something that I don't have the details unto what I'm appealing, or why the decision was made. It's unconstitutional! 
I still don't know the date the account closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I submitted a dispute through XXXX XXXX and TransUnion on XX/XX/XXXX ( Dispute # XXXX ), and as of today, over 30 days later, it remains unresolved with no response or update. 

XXXX of the key accounts in question is a XXXX credit card that was closed on XX/XX/XXXX. Despite being closed for over three years, it is still reporting a balance of {$4000.00} as of XX/XX/XXXX. It also reflects multiple delinquencies and a 116 % utilization rate, which appears both inaccurate and outdated. This is having an unfair negative impact on my credit profile. 

I have attempted to get an update through XXXX XXXX and TransUnion but have received no follow-up. I am requesting CFPB assistance to ensure this dispute is resolved, and that my rights under the Fair Credit Reporting Act are upheld.

Company response to consumer: Closed with non-monetary relief