vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: MO

Complaint narrative:
It is being reported that payments were made for dates that they were not causing this account to stay on my report longer than it should. I filed a dispute with the agency on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I supplied my account statement that was provided to me by the creditor on XX/XX/XXXX along with supporting email communications and my credit report ( highlighted differences between my account statement and my credit report ). After supplying all supporting evidence, a day or two later each time I received the same reply " Verified as accurate '' with no changes made and no information supplied to me on what measures were taken.

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 2025-01-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CNG HOLDINGS INC
State: TN

Complaint narrative:
The first was issue in XXXXXXXX XXXX XXXX. This mail was in a missed paled of other important information to the wrong person. Once it was issue to the current person it was passed due date. I notify the company to see if I could get it reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
TD Bank has this offer on their website till today saying that if you open a new TD Complete checking account, you will receive {$300.00}. I clicked on that link offer on their website to open my account on the XXXX XXXX of last year. I opened my account and fulfilled all the conditions. 

First of all, that offer was saying that it could take up to 180 days for to get the bonus. As of today, I haven't received anything. 

6 months later when I called them for my bonus, they are stating that to qualify I was supposed to get that offer through the mail. 

This is totally insane and doesn't make any sense. They are trying to abuse me and don't want to respect my right. 

Since I have been calling them for weeks, they want to offer {$200.00} instead of {$300.00}. 



ALL THIS ON THEIR WEBSITE IS FALSE ADVERTISING TO ABUSE CUSTOMERS LIKE ME. I feel abuse and trap!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
On XXXX XXXX, XXXX, I submitted disputes to Equifax ( XXXX # XXXX, XXXX, XXXX, XXXX ) under my rights provided by the **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681i ( a ) ( 1 ) ( A ) **, requesting an investigation into inaccurate information on my credit report. 
On XXXX XXXX, XXXX, Equifax confirmed the completion of its investigation and stated that the disputed information was **verified as accurate**. However, Equifax **failed to provide the documentation used** to verify this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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 respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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 respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against XXXX for similar violations XXXX I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that Ive marked as inaccurate : XXXX XXXX XXXXXXXX Card Services 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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Me and my domestic partner, XXXX XXXX, have two checking accounts and one savings account that we share with Chase Bank. We are bothXX/XX/XXXX in NY. 
On XXXX/XXXX/25 XXXX texted me asking if i was moving money around in our accounts, i said no. I then checked my chase mobile app and saw someone transferred all of our money from our savings to our checking account. I knew right away there was someone in our account. Within 30 seconds i had chase fraud department on the line, verified myself, pleading with them to lock down my account, and repeatedly told them do not let any transactions IN or OUT of my account and that it was an emergency. I was then told on the phone that they couldn't help me and to go to a local branch to file a complaint. Within 5 minutes i was at my local branch. As i entered the bank i noticed all of the money was gone, to XXXX XXXX 
Facts : - we did not receive any notification that there was a pending transfer, and no notice to approve a wire transfer. Absolutely nothing. 
- someone bypassed our two-factor authentication to enter our account ( it seems ) - chase never flagged these transactions/ transfers- we were never in contact with anyone to approve any transactions - our devices that can access our accounts were secure at the time this happened- we have lifelock and nord protection on all of our accounts and devices - chase allowed these transactions through without our knowledge or our approval- When pleading with chase bank fraud department to lock down my account i was told they could not help me.

- I attempted to stop this from happening while it was in motion and in real-time- When i call chase bank to speak to someone, at some point during the 30-40 minute mark they start pretending that they cant hear me due to a bad connection ( roughly 25 phone calls ) which i am starting to find suspicious, because there is a clear pattern, and then they hang up and don't call me back.

Please i need help, they are 100 % responsible for what happened but are refusing to take any responsibility. They are utterly refusing to help. This is all we had, we are crushed. Why put my money in the bank if Chase is going to let criminals take it from me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: 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 2025-01-30 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: OH

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Medical Debt Reporting Dear Consumer Financial Protection Bureau , I am submitting this formal complaint regarding the inaccurate or improper reporting of medical debt on my credit report. I believe this reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the recent credit bureau policy changes regarding medical debt reporting. 

Details of My Complaint : Medical Provider :XX/XX/XXXXXXXX XXXX Creditor/Collection Agency : XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX Account XXXX XXXX XXXX Date of Service : UNKNOWN Amount Reported : {$1300.00} Credit Bureaus Reporting This Debt : [ XXXX, XXXX, TransUnion ] Reason for Complaint : The debt was incorrectly billed and should not have been reported.

The medical provider/collection agency failed to provide proper documentation to validate the debt.

I never received a bill or notice about this debt before it was reported. 

Attempts to Resolve the Issue : I have already contacted XXXX, XXXX AND TRANSUNION to dispute this item, but they have failed to properly investigate or remove the debt. I am now seeking the CFPBs assistance in enforcing my rights under the FCRA and recent medical debt reporting changes.

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 2025-01-30 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: OH

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Medical Debt Reporting Dear Consumer Financial Protection Bureau XXXX XXXX am submitting this formal complaint regarding the inaccurate or improper reporting of medical debt on my credit report. I believe this reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the recent credit bureau policy changes regarding medical debt reporting. 

Details of My Complaint : Medical Provider :XX/XX/XXXXXXXX XXXX Creditor/Collection Agency : XXXXXX/XX/XXXX XXXX XXXX Account XXXX XXXX XXXX Date of Service : UNKNOWN Amount Reported : {$1300.00} Credit Bureaus Reporting This Debt : [ Experian, XXXX, XXXX ] Reason for Complaint : The debt was incorrectly billed and should not have been reported.

The medical provider/collection agency failed to provide proper documentation to validate the debt.

I never received a bill or notice about this debt before it was reported.

Attempts to Resolve the Issue : I have already contacted EXPERIAN, XXXX AND XXXX to dispute this item, but they have failed to properly investigate or remove the debt. I am now seeking the CFPBs assistance in enforcing my rights under the FCRA and recent medical debt reporting changes.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed inaccurate address information from my personal Experian credit report, to no prevail after disputing the incomplete or inaccurate addresses that were unauthorized. Resulting in them remaining on my credit report. According to Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-01-30 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: FL

Complaint narrative:
The following inquiries need to removed to in order to show my true credit score and history overall under the Fair Reporting Credit Act. section 605B. 

XX/XX/XXXXINQUIRY DATE : XXXX XX/XX/XXXX INQUIRY DATE : XXXX XX/XX/XXXX INQUIRY DATE : XXXXXX/XX/XXXXINQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXXXX/XX/XXXXINQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XX/XX/XXXX INQUIRY DATE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Had an account with XXXX XXXX was at end of my loan and was trying to make arrangements to make the final payments. I only had a couple of months left on the loan. I had to file Bankruptcy because they wouldn't offer a lower payment plan due to COVID. I couldn't get anyone on the phone. I tried several times, and final I filed Bankruptcy. After filing. This one the only thing on Bankruptcy and I had my attorney to contact them, but he never got an answer. The car stopped working and so I parked it. I continually tried to get them to let me pay remainder amount. No response. A friend said he could fix the car and took it to his shop for repair. He was putting gas in car and was picked up. I called they said I owed more. They damaged my credit, exceptionally bad, I had to wait three years to at least qualify for another reasonable payment for a car.

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 2025-01-30 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: FL

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe are inaccurate, unverifiable, or outdated. As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request an immediate investigation and removal of any items that can not be verified. 

Below are the accounts that I am disputing : XX/XX/XXXXAccount Number : XXXX Reason : Late payment reported incorrectly in XX/XX/year>2024. Please provide verification of this late payment or remove it from my credit report as it is inaccurate. Additionally, under 15 U.S.C. 1681c ( a ), I am disputing any outdated inquiries or other inaccurate information on my report. Please investigate these matters and provide written documentation of the results. If these items can not be verified, I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT TheXX/XX/XXXX Missouri # XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX. # XXXX, XXXX XXXX # XXXXHAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-01-30 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
XX/XX/scrub> 2024 700 CREDIT/XXXX XXXX Automotive Creditor information 700 CREDIT/XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: SC

Complaint narrative:
E To Whom it may concern, I've sent neuromas letters to explain that XXXX XX/XX/XXXX has taken repossession in the state of South Carolina on or about XX/XX/scrub>/2023 and resold the vehicle on or about XX/XX/scrub>/2023. This account is still being reported on my credit report. XXXX has failed to make contact with me in regards to this matter. 

Under the laws of the state of South Carolina UCC & South Carolina UCC code, you will to look this up and State RISA and MVISA statutes a deficiency to whom it may concern, I am writing in regard to the above referenced accounts and transactions can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

in addition, if you singularly and severally fail to comply with the above request, i reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC & 9 remedies. 

Best Regards

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 2025-01-30 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: NC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 2025-01-30 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 explanation