vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AC AutoPay LLC, Denver, CO Branch
State: TX

Complaint narrative:
I had a auto loan a company called Autopay. I refinanced my loan with XXXX on XX/XX/25. XXXX sent a check to Autopay on XX/XX/25 and according to XXXX 's records the check was cashed on XX/XX/25 for a value of {$33000.00}. After 19 days Autopay still have no record of ever receiving this check or record of them cashing it. I have called both XXXX and Autopay to find solutions to this issue but to no avail. Autopay has said that they are investigating the payment but nothing has been done.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/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 explanation
Consumer complaint received 2025-02-19 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX Bankruptcy Account Number : 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 2025-02-19 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had purchased a new HVAC system through The XXXX XXXX program. I had a cosigner for the loan and was approved by Service Finance Company LLC. The first payment was due 6 months form purchase. As I went to make the first payment I had an option for auto pay through the automated system I paid through. I agreed to the auto pay program and it saved my information. The next time I heard from Service Finance Company LLC was in XX/XX/year> and they informed me that I was 3 months late on payments and that my credit was now being affected. I then asked why their auto withdrawal wasn't working and why am I now in this position to where it has negatively impacted my credit as well as my co-signers. They said there wasn't anything they could do about it and that they don't have an option for auto-pay through their automated system. I then asked how it was possible for me to have the option to enroll if it was never available. They then asked if I wanted to sign up through auto-pay since they were on the phone and as they were doing it they thought it was strange that they had all the info for auto-pay in their system but I wasn't set for auto-pay. 

I had also asked about why wasn't I notified or my co-signer notified of delinquent payments prior to this call. They explained that they sent mail and called but no answer. I asked if they ever left a message when they called and they stated that they did not. I informed them that I hadn't received any mail and if they had tried to email me at all. They said they didn't try to email and they aren't sure why emails hadn't been sent out. 

I then asked since all means weren't exhausted to contact myself or the co-signer then could they please remove the negative credit impact since this was also their fault. They told me that there were no error on their end and they will not remove their claim. I asked again and even explained that I can be up to date on payments right now and as soon as that was done if they could please remove the negative credit report because it had a drastic impact on my co-signer 's credit. They refused again and left the negative report. 

I did make sure my payments were up to date and there were no longer any delinquent payments. At the end of the day I just wanted the finance company to take the negative report off because if I was properly informed then the payments would have never been delinquent.

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 2025-02-19 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: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-19 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: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding a fraud issue with my XXXX accounts. On XX/XX/XXXX, I discovered several unauthorized withdrawals from my checking and savings accounts, total of {$2400.00}. These withdrawals originated from the XXXX branch at XXXX XXXX XXXX, XXXX, NJ. Despite my repeated attempts to resolve this issue, I have not received a proper resolution, and my case has been mishandled. Below are the details of the situation : Timeline of Events : XX/XX/XXXX : Unauthorized withdrawals were made from my accounts, totaling $ [ amount ], originating from the XXXX branch at XXXX XXXX XXXX, XXXX, NJ. 

XX/XX/XXXX : I contacted XXXX customer service and was advised to report the issue in person. I was told it was likely an error on Chases end, and that I would receive emergency funds to cover the losses. I was also informed that I would receive an update within 10 business days. 

XX/XX/XXXX : I visited the XXXX branch on XXXX XXXX in XXXX, NJ in person and spoke with XXXX XXXX, who initiated a fraud claim and confirmed that emergency funds would be issued to cover the losses. He promised a resolution within 10 business days. 

XX/XX/XXXX : I followed up with XXXX and was told my case had been escalated, with a response promised in 5 business days. However, I did not receive any updates after 10 days. 

Late XX/XX/XXXX XX/XX/XXXX : I contacted XXXX again and was told that the case had been closed because the transactions were not deemed fraudulent, as they claimed the debit card was mailed to my address. I never received the card. I was told the case could be reopened, but it would take another 10 days. 

XX/XX/XXXX : No resolution has been provided. I still have not received the emergency funds, and I have not received any updates or an investigation into the missing debit card or unauthorized withdrawals. 

What Went Wrong : Failure to Investigate Thoroughly : Despite my requests, no investigation was conducted into the missing debit card or the ATM withdrawals. Additionally, I have reason to believe that the phone call I had with the teller on XX/XX/XXXX, regarding the fraud claim may provide additional context to the situation. I request that XXXX review the recorded phone call to confirm the details of our conversation, including the promises of emergency funds and the escalation of my case. 

Broken Promises : I was told multiple times that emergency funds would be issued within 10 business days to cover the unauthorized withdrawals. This promise was never fulfilled. 

Inadequate Follow-Up and Communication : Despite being told the issue was escalated, there was no follow-up or communication after the 10-day window. I received no updates or clarity about the status of my fraud claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DE

Complaint narrative:
I was scammed by someone posing as a XXXX XXXX fraud representative using the official XXXX XXXX phone number listed on their website ( XXXX XXXX ) The scammer convinced me there was fraudulent activity on my account and instructed me to transfer {$3500.00} through Cash App to secure my funds. 

Once I realized I had been scammed, I immediately contacted Cash App to dispute the transaction. However, their representative told me there was nothing they could do because I authorized the transfereven though I explained that I was deceived into believing I was speaking to an official XXXX XXXX representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate deletion of the following inaccurate and unlawfully reported charge-off from my credit report within 72 hours : Account Name : XXXX XXXX : {$1600.00} Charge-Off Status ( Incorrectly Reported ) This charge-off has been paid, and any further reporting of a balance is a direct violation of the Fair Credit Reporting Act ( FCRA ) and consumer protection laws. 

LEGAL VIOLATIONS & GROUNDS FOR REMOVAL 1. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), XXXX is legally required to maintain accurate reporting. The continued reporting of a paid charge-off is a clear violation of this federal law and must be corrected immediately. 

2. Attempted Double Jeopardy in Credit Reporting Potential Fraud The balance has already been resolved, and any attempt to collect or report it again is fraudulent. Forcing a consumer to pay for the same debt multiple times is illegal under **15 U.S.C ( be advised that FTC report has already been submitted )

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 2025-02-19 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate deletion of the following inaccurate and unlawfully reported charge-off from my credit report within 72 hours : Account Name : XXXX Balance : {$1600.00} Charge-Off Status ( Incorrectly Reported ) This charge-off has been paid, and any further reporting of a balance is a direct violation of the Fair Credit Reporting Act ( FCRA ) and consumer protection laws.

LEGAL VIOLATIONS & GROUNDS FOR REMOVAL 1. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), XXXX is legally required to maintain accurate reporting. The continued reporting of a paid charge-off is a clear violation of this federal law and must be corrected immediately.

2. Attempted Double Jeopardy in Credit Reporting Potential Fraud The balance has already been resolved, and any attempt to collect or report it again is fraudulent. Forcing a consumer to pay for the same debt multiple times is illegal under **15 U.S.C ( be advised that FTC report has already been submitted )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CT

Complaint narrative:
I am writing to formally address an urgent issue with my credit report. It has come to my attention that certain information associated with my account has been incorrectly mixed with that of another individual. This account is, without question, not mine, and it seems that my personal credit information has been mistakenly linked to someone elses details.

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 2025-02-19 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: MS

Complaint narrative:
i have recently reviewed my Experian, Tran union and Equifax consumer report and see there are unauthorized inquires that i did not benefit they are as listed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/year> - I noticed two fraudulent transactions that were completed on my checking TD bank account. These transactions were from an ATM in a city I do not live in. I reached out to the TD customer service dept. to report these charges. I did not authorize or request any new debit card to be mailed out. A card was sent out without my authorization. A new pin was created without my knowledge and subsequently {$990.00} was taken out of my bank account. 

An investigation needs be taken on this incident and TD Bank Corporation as a whole as I suspect that I am not the only customer this is happening to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 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: MI

Complaint narrative:
Company was tasked with investigating ACCOUNT : XXXX XXXX XXXX XXXX Instead of investigating issues company manipulated data at XXXX request and deleted small portions while updating others. Company Legal Basis for Deletion Pursuant to 15 U.S.C. 1681i ( FCRA 611 ), Equifax is required to conduct a reasonable reinvestigation of any disputed information and delete any items that can not be verified. Equifaxs failure to remove fraudulent accounts, despite clear and documented evidence, constitutes a direct violation of my rights under federal law. 
This dispute has remained unresolved for over two years without a proper investigation or validation. As such, I am demanding the immediate and permanent deletion of the above-referenced accounts, along with the full disassociation of my personal information from these fraudulent entries.

Final Demand and Legal Consequences This is not a request for further review or modification. My consumer rights have been egregiously violated, resulting in significant financial and emotional harm. The only acceptable resolution is : The immediate and permanent deletion of all referenced accounts. 
An official deletion confirmation letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, MI XXXX, United States

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 2025-02-19 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-19 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX Bankruptcy Account Number : 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