vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I was involved in a car accident on the freeway while leaving work. The vehicle associated with my GM Financial loan had been displaying a XXXX XXXX warning and repeatedly shut off while driving in the days leading up to the accident. A few days before the crash, I took the vehicle to a dealership to have it inspected, but I was told they didnt have time to complete the inspection that day. I was advised it was safe to drive and scheduled to bring it back in for a full inspection the same day the accident occurred.

After the accident, the vehicle was impounded. I contacted GM Financial at least four times to inform them of the vehicles condition and location. I explained that the vehicle had potential mechanical issues and that it was impounded following the crash. A representative informed me that GM Financial would not retrieve the vehicle from the impound lot due to the extent of the damage and would not pay the storage or recovery fees. 

I also inquired about a lemon law inspection and was told they could not inspect the vehicle since they were not recovering it. Despite this, they continued to call me for payments but never provided written documentation explaining their decision or next steps. The vehicle was never repossessed, no deficiency notice was sent, and I received no explanation of how the loan balance was calculated. 

Now, the account is being reported negatively to my credit report, even though GM Financial chose not to recover their collateral and failed to follow proper procedures for repossession or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors XXXX deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts XXXX inquires XXXX update these accounts accordingly XXXX avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors XXXX deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts XXXX inquires XXXX update these accounts accordingly XXXX avoid future litigation.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Im filing a complaint about the Credit Builder account I opened through Credit Karma ( powered by XXXX and XXXX XXXX XXXX  ). I opened the account in XX/XX/year>, but changed my mind and withdrew {$20.00} soon after. I also turned off AutoPay and assumed the account would be closed or paused like other credit builder programs ( e.g., XXXX, XXXX ). 

I never received proper notice or warning about payment due dates. The only email I received said to make a contribution to continuebut didnt clearly explain that missing a contribution would result in a delinquency reported as a credit card. I was shocked to find out on XX/XX/year>, that my credit score dropped XXXX points ( XXXX to XXXX ) due to XXXX backdated late payments on this account. 

I was never told it would report like a credit card. I never received clear billing alerts. I didnt know it would damage my credit over {$10.00} per month, especially since I withdrew funds and thought it was closed. Then I got an email saying the account was closed for inactivitybut only after they reported me late. 

I called Credit Karma on XX/XX/year>, and they told me they couldnt do anything and refused a goodwill correction. This is extremely misleading and has caused unfair harm to my credit. 

Additionally, a loan XXXX confirmed that it was reported as a credit card, which is inaccurate. I never had a credit card with Credit Karmajust a money account. 

Im requesting the CFPB intervene to have : Both late payments removed from my credit report Clarification from Credit KarmaXXXX on why this was reported this way Credit Karma held accountable for unclear communication and damage caused by a product marketed as a credit-building tool This situation may also be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which requires that furnishers of information ( like Credit Karma/XXXX  ) provide accurate and complete data to credit bureaus and correct any information that is incomplete or misleading. 

Reporting XXXX backdated late payments on a misunderstood, inactive credit builder account with no clear disclosures may constitute furnishing inaccurate or misleading information. I am requesting that this be investigated and corrected in accordance with FCRA requirements. 

I have documentation of my request to their support team ( Case # XXXX ) and email notifications received after the damage was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am writing to formally dispute the reporting and status of the above-referenced account. According to my credit report, XXXX XXXX has charged off this account and claimed it as a profit and loss. If this is the case, under IRS regulations, I should have received a Form 1099-C ( Cancellation of Debt ). To date, I have not received this form, which raises concerns about the legitimacy and accuracy of the reporting. 
Additionally, since this account has been charged off, the balance should be reported as {$0.00}, reflecting that the debt is no longer collectible by the original creditor. Despite this, XXXX XXXX continues to report the full balance multiple times across my credit file, which constitutes duplicate reporting and is misleading and damaging to my credit profile. 
This violates the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681e ( b ), furnishers of information to consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report.

Under 15 U.S.C. 1681s-2 ( a ), creditors are prohibited from furnishing information that they know or have reasonable cause to believe is inaccurate.

Additionally, per 15 U.S.C. 1681s-2 ( b ), upon notice of a dispute, a furnisher must conduct a reasonable investigation, correct any inaccurate information, and notify consumer reporting agencies of any corrections.

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 2025-04-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-21 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-21 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Deposited {$9000.00} into Chase atm. The ATM was unable to read some of the bills cant remember exactly how much but it was a few XXXX dollars lets say about {$500.00} maybe. The ATM returned those but the ATM screen said amount that went in was about {$7500.00} when in reality it should have been around {$8500.00}. Meaning it ate {$1000.00}. I cancelled to whole transaction because I was mad so unfortunately the atm didnt give me a receipt. The ATM only gave me {$8000.00} instead of {$9000.00}. So I was now short {$1000.00}. Filed a claim with Chase bank and they denied the claim saying there was no extra money in the ATM. I counted the money 3 times before depositing I know the amount was originally {$9000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 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: First Credit Services Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX, specifically the location at XXXX, XXXX, regarding unauthorized billing, collection activity, and a lack of response to my attempts at resolution. 

I signed up for a membership with XXXX XXXX in XX/XX/XXXX. However, the facility did not open until XX/XX/XXXX. Despite this, I was billed during the time the gym was not operational. More concerning, I recently learned that an alleged balance of {$170.00} was reported to collectionswithout proper notice or justification. 

I attempted to contact the XXXX location multiple times by phone to dispute the charge and request that the account be removed from collections. As of the date of this letter, I have received no response or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my second and final attempt to fix this issue directly. I am a federally protected consumer under the Fair Credit Reporting Act, and I fully understand my rights, including my Right to Privacy under 15 U.S.C. 1681a ( 4 ). After checking my credit report, I found XXXX accounts that I never permitted to be reported : XXXX XXXX XXXX ( Account # : XXXX ) and XXXX  ( Account # : XXXX ). Under 15 U.S.C. 1681b ( 2 ), you are only allowed to report accounts with my written permission, which I never gave. These accounts are unauthorized and should not be in my file. Keeping them there is not just wrong, it is a serious violation of federal law. Because of this, I have been denied housing and car loan opportunities, and its putting real pressure on me and my family. This is not a small error, its harming my life. I believe this is identity theft, defamation, and willful noncompliance under 15 U.S.C. 1681n, which allows for {$1000.00} in fines per violation, and even more if it causes actual damage, which it has. I also do not agree to any automated investigation using E-OSCAR or AI systems. This must be reviewed and handled

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I received a phone call from a mediation firn XXXX XXXX XXXX. They threatened to place a lien on my home for breach of financial contract with TD bank, XXXX XXXX XXXX XXXX 

They claim that I opened an account opened an account in XXXX and made payments from XXXX. The total amount due was {$6000.00}. 

- Theft by deception - asset and liability - Lien/wage garnishment Finally a settlement was offered for {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 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 2025-04-21 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: CA

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 2025-04-21 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-21 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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 am writing to formally dispute XXXX or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. 

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: AR

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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 doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation