vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I got an Apple Card 3 months ago with my friend 's referral. But they still haven't paid the {$75.00} referral fee. At first they asked me for photo proof. I sent it to them. But this time they asked for my friend 's email address. I gave it to them. But now they say they can't approve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Email : XXXX Advocate : XXXX XXXX XXXX XXXX XXXX Business Strategist, Advocate ) Subject : Formal Complaint Against American Honda Finance Corporation for Unfair Credit Reporting , Failure to Provide Relief for XXXX Financial Hardship, and Unprofessional Conduct I. Introduction & Summary of Dispute I am filing this formal complaint against American Honda Finance Corporation ( AHFC ) regarding their failure to provide fair credit reporting relief, dismissive and unprofessional customer service, and failure to consider financial hardship related to the XXXX pandemic. This issue is not isolated but is part of a broader pattern of Honda Finance 's non-compliance with credit reporting regulations, as evidenced by the CFPB 's recent enforcement action requiring XXXXonda Finance to pay {$12.00} XXXX for misleading and damaging credit reporting practices during XXXX. I request that the CFPB review Honda Financial Services ' current credit reporting practices and enforce corrective measures regarding their continued refusal to assist consumers facing financial hardship reasonably. II. Account Details & Disputed Late Payments Lender : American Honda Finance Corporation Account Number : XXXX Account Type : Joint Installment Auto Loan Date Opened : XX/XX/XXXX High Credit : {$43000.00} Current Balance : {$15000.00} Scheduled Payment : {$610.00} Actual Payment : {$630.00} Status : Reported as Current ( but with past late payments ) Late Payments Reported : 30 Days Late ( XX/XX/XXXX ) 60 Days Late ( XX/XX/XXXX ) Remarks on Account : Auto Loan, Fixed Rate III. Summary of Consumer Service Call XX/XX/XXXX Call Placed On : XX/XX/XXXX Honda Representative : XXXX ( Customer Service ID : Case Number : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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 am formally disputing the following negative items on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX - {$120.00} 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 2025-02-03 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I sent Selene Finance an insurance check from XXXX XXXX to pay off the balance of my mortgage on XX/XX/year>. I was informed check was received and would be paid off XX/XX/year>. They never paid off my mortgage and they say their pay off department isn't responding to their emails. I had to unnecessarily make my mortgage payment XX/XX/year> just to keep house from foreclosing since pay off department isn't doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

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 2025-02-03 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/year> I received an alert email from XXXX XXXX that there was a hard inquiry on my credit file. I reviewed all of my credit files across the major bureaus and saw that the hard inquiry was with Equifax, related to " XXXXXXXX XXXX XXXX XXXX XXXX/equifax ''. I called XXXXXXXX XXXX general help line, and spoke to a representative who determined that there was a fraudulent attempt to apply for a XXXX XXXX credit card under my SSN. They removed/denied the card application, but the hard inquiry related to this card application remains on my credit report with Equifax. I even filed a dispute with Equifax directly and they have told me they can not remove unless I have a report or outcome from the FTC and/or CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MO

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-02-03 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: MO

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am reporting the repeated reinsertion of the following fraudulent accounts that I have previously disputed and had deleted from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I initially disputed these accounts several times, and they were successfully deleted on my XX/XX/year> credit report. However, despite their deletion, these same accounts have now reappeared on my XX/XX/year> report. This cycle of deletion followed by improper reinsertion demonstrates a clear disregard for the accuracy of consumer reporting and violates the Fair Credit Reporting Act. Under 15 USC 1681i ( a ) ( 5 ) ( B ), any previously deleted information can not be reinserted unless the furnisher of the information certifies its accuracy, and I am provided written notice of the reinsertion within 5 business days. I received no such notification, which is a breach of your legal obligations and my rights under the FCRA. Furthermore, the failure to properly investigate and prevent reinsertion demonstrates noncompliance under 15 USC 1681e ( b ), which mandates accurate reporting procedures. Your actions, or lack thereof, expose you to liability under 15 USC 1681n, allowing for legal remedies, including actual damages, statutory damages of up to {$1000.00} per violation, and attorneys fees. I demand the PERMANENT REMOVAL of these fraudulent accounts from my credit file to prevent further harm to my financial reputation. Any future unauthorized reinsertion will result in additional legal complaints and enforcement actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: GA

Complaint narrative:
The law states that 15 U.S.C. 1692c is a law that governs how debt collectors can communicate with consumers and third parties. It is part of the Fair Debt Collection Practices Act ( FDCPA ).

Debt collectors can not communicate with third parties without the consumer 's consent or a court order.

Debt collectors can communicate with the consumer 's attorney, the creditor, the creditor 's attorney, or the debt collector 's attorney. 

On My XXXX account the account # is XXXX it shows the amount of XXXX the original amount is XXXX they say I owe XXXX. 
This is obviously fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failin to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights Theses are the accounts XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failin to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights Theses are the accounts XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc.
State: NC

Complaint narrative:
I received a debit card from Cash App that I did not request. I immediately notified Cash App of the incident. I explained that a card had been issued with my middle name and maiden name on it which was XXXX XXXX and that the name on my account is XXXX XXXX. And that the username on the card did not match the username of my cash app account. I also informed them that I had not used cash app since 2021 so there was no way this was created by me. There is also no record on my account of a card being issued. The customer service agent then informed me that I would be receiving an email from cash app support and that I would need to send them a picture of the card and my personal information and that they would have the account deleted. When I reviewed the email it looked very phishy to me. I felt as though I was being scammed. So I have decided not to send the information but come to you directly. I do not feel comfortable dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
Department of Education Account # XXXX I am writing to formally request the removal of late payments reported on my credit file related to my federal student loans in 2019. During that period, my loans were in forbearance as I was enrolled in school, and therefore, these payments should not have been reported as late. 

Additionally, both XXXX and XXXX are accurately reporting these accounts as current with on-time payments, highlighting the discrepancy in Experians reporting.

Furthermore, please refer to the attached Notice

of Borrower Defense Discharge Approval from the U.S. Department of Education, confirming that my student loans have been fully discharged. This discharge further supports that these loans should not have any negative payment history associated with them.

I kindly request that you investigate this matter and remove the inaccurately reported late payments from my credit report. I have enclosed a copy of my Borrower Defense Discharge letter for your reference. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and notify me of the outcome of your investigation.

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 2025-02-03 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: TX

Complaint narrative:
I am beyond frustrated to discover an unauthorized inquiry on my credit report this morning. I regularly check my report, and this unexpected discrepancy has left me completely unsettled. Even after refreshing my browser, the issue remained. I need this to be resolved immediately, and I demand a thorough review of my submitted documents so I never have to experience this again.

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 2025-02-03 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: TX

Complaint narrative:
When I checked my credit report this morning, I was shocked to see incorrect accounts listed, and I dont understand why. I routinely monitor my report, but this time, I found inconsistencies that hadnt been there before. I tried refreshing my browser to rule out a glitch, but the errors remained. Given this, I am requesting a thorough review of my submitted documents so I can finally stop worrying about this issue.

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 2025-02-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, AZ, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation