vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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 to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX  as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
2.Sarver v. XXXX XXXX XXXX XXXX XXXX , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
In XXXX, PayPal limited my account and placed a hold on {$7800.00}. I complied fully with all requests for documentation and verification. According to PayPals policy, held funds should be made available after 180 days unless there is a legal reason preventing it. It is now XXXX, and I still can not access or withdraw my funds. 

On multiple occasions, PayPal has sent me emails stating that my funds are available to be withdrawn. However, when I log into my account, I am still unable to withdraw the money, and the limitation remains in place. I have reached out to customer service several times, but no one has provided a clear explanation or resolution.

This ongoing issue has caused significant financial hardship. The contradictory messaging and extended delay now over 4 years feel deceptive and unfair. I am requesting that the Consumer Financial Protection Bureau assist in resolving this matter and compel PayPal to release the {$7800.00} that rightfully belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CHALLENGE FINANCIAL SERVICES
State: AZ

Complaint narrative:
On XX/XX/year> I was involved in a car purchase through XXXX in Arizona, where Challenge Financial was listed as the lender. The dealership asked me to falsely report a {$2000.00} down payment, when I only paid {$1000.00} ( {$600.00} cash, {$400.00} card ). I refused to lie. Additionally, they submitted paperwork that misrepresented my role I was supposed to be the co-signer, but they listed me as the buyer to obtain financing approval.

Financing was never finalized. I did not provide the required documents such as proof of insurance or residence, and the vehicle has not been delivered. I attempted to call Challenge Financial to explain the situation, but I was transferred repeatedly and unable to reach anyone who could help or clarify if a loan was actually processed. 

This situation feels deceptive and coercive, and I want to ensure that no loan is opened in my name and that my credit is not affected

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2025-04-07 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: NY

Complaint narrative:
To whom it may concern, I am writing to update/correct my personal information on file with your company 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 
I do not wish to have any telephone numbers on my report except ( XXXX ) XXXX Please remove all the other addresses off my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, I am writing to update/correct my personal information on file with your company 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 
I do not wish to have any telephone numbers on my report except ( XXXX ) XXXX Please remove all the other addresses off my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely 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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been an American Express customer since XXXX and currently hold XXXX Amex credit cards with no prior late payments or issues paying my balances. 

On XX/XX/XXXX, my Amex XXXX XXXX card had a statement balance of {$10.00}, which I intended to pay through auto-pay. However, Amexs system failed to process the auto-pay, which I only discovered two months later because I rarely use this card. 

Due to this system failure, I was charged the following : XX/XX/XXXX {$10.00} late fee XX/XX/XXXX {$0.00} interest charge XX/XX/XXXX {$21.00} late fee A small balance of {$10.00} ballooned to {$42.00} in charges within two months. When I contacted Amex to explain that I had set up auto-pay in good faith, they refused to reverse the fees, claiming their system " can not '' do so.

Concerns About Amexs Practices : Auto-pay system failure : Amex failed to process my auto-payment, yet I was penalized. 

Unfair and excessive late fees : A {$10.00} balance turned into {$42.00} in XXXX Disregard for customer loyalty : As a XXXX Amex customer with XXXX cards and a perfect payment history, I expected better treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Momnt Technologies, Inc.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX pressured to take a {$40000.00} loan for remodeling that never took place. The company gave me the run around/excuses since that day. I have been paying the loan payment faithfully this entire time, but have stopped last month because this company has now cost me financial strain. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The owner, XXXX XXXX was the person who came to my house late into the evening to " finalize '' the contract for the special price. I have spoken to Monmt about the issue and they stated they can not give legal advice and I still have to continue making payments on the loan. I have paid almost half of the loan, with no services to show for it. Any help or information you can assist with will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO closed my credit card account. I had a {$3.00} rewards balance. BMO would not cash out my rewards balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: TN

Complaint narrative:
This is in Reference to Village Capital & Investment LLC XXXX XXXX XXXX Returned payment XX/XX/XXXX payment cleared ( manual ) XX/XX/XXXX payment XX/XX/XXXX returned payment XX/XX/XXXX cleared manual XX/XX/XXXX payment cleared XX/XX/XXXX payment XX/XX/XXXX returned payment XX/XX/XXXX refused payment by phone or online, customer service stated it has to be paid by certified check or money order because of how many return ( for which I paid fees on ) I explained the situation about how we were moving and trying to figure out what all auto drafts were coming out that we just had to keep transferring money over to cover the difference making sure the amount was in there and that we never knew when Village capital would take it out or would clear it along with all the other auto drafts we thought we had covered and that we were in the process of changing banks so that my VA ( Veterans compensation ) check could go in the bank and not have anything else coming out and that my VA check was dedicated to my mortgage. They refused to do anything or help come up with a solution along with not providing a phone number or email to the office who could resolve this and was told by a manager that she had never seen them do anything about it. With a limited time schedule I can not take this time to get checks and mail them out with my time schedule so now they are making it harder on us to pay. I explained to them everything and no solution was made. I will have to send these certified checks for 6 months as form of punishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. Please remove these accounts from my report as it is hurting my ability to obtain credit. 

Inquiries : 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

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 2025-04-07 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: NV

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of 2024, my personal luggage and items within were destroyed by a airline company, normally, this wouldn't be an issue, however, the airline refused to cover my bags, stating " minor damage '' and that I was not going to be compensated. A complaint to the DOT was made, and united agreed to replace one bag, but not both, nor the items broken due to their negligence. 

I travel for work frequently, so I can not be without my luggage, work-box, and work-supplies. I called my credit card issuer, Capital One XXXX XXXX ( Mastercard ) who advised me I was covered under their travel insurance as I had booked the ticket for the airline through them, and after speaking to a individual claim rep, I was told to purchase a new XXXX case ( one was destroyed by the airline ) as well as a new printer setup, which was housed in the one ruined... I asked several times if she was sure, and was told more than once that I would be reimbursed and go ahead to purchase as I had imminent travel... then, it was silence for weeks at a time. I had to ask again and again for follow-ups, until finally getting a call in XXXX, where I was asked if I wanted a check or credit statement. 

Now, at the end of XXXX, after weeks of more silence and asking for follow-ups, I get a new claim rep emailing me, almost as if it was a new case, and that I wouldn't be getting fully reimbursed, only getting a payment for the pelican case ... and no acknowledgment of any previous correspondence. I ave asked numerous times what happened as this has been an ongoing dispute for months now, and am getting nowhere. I still have received no payments, with almost {$1000.00} in charges due back to me since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Had the worst experience with XXXX XXXX XXXX. Where to begin, was not in a good spot with finances and go into credit card debt. It got to the point the bank submitted it over to XXXX XXXX XXXX for debt collection. They gave me a summons so, this was already not a good situation. I wanted to get this taken care of of quickly and at 1st they were willing to help. But once I found another debt consolidation alternative way to pay, they were no longer willing to cooperate with me. They ended up not giving over any information. All my debt consolidation agency needed was a power of attorney. We went to court where even a judge ruled that they had to work with me. They never got back to them to work it out. Now here we are a year later and now they put a stop hold on my account for DOUBLE THE MONEY! I would like to post this complaint for everyone to see.

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