vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: OK

Complaint narrative:
Disputing XXXX XXXX due to the LAWSUIT from the CFPB on XX/XX/year> while i was XXXX XXXX. I had a illegal loan through them as they violated the XXXX and XXXX and requested a complete deletion due to these facts. ( Complete Deletion from my credit report. ) Not only is it still there BUT even though its charged off the debt has gone from XXXX to XXXX near XXXX in a few years and keeps mounting. Correct me if I'm wrong but charge off accounts should not be generating interest. Please inform XXXX Transunion and XXXX to delete said account from report due to various errors and the violations.

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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an account with BMO online on XX/XX/XXXX. I made a cashier 's check deposit of {$30000.00} on I believe XX/XX/XXXX. The next day {$5500.00} cleared my account and I did a withdraw of {$5000.00}. On XX/XX/XXXX I tried to access my account via online and was not able to. I contacted the bank and my account is frozen stating that I had an account with bank of the west that was closed and now I was demarked. They are awaiting the remainder of the {$30000.00} to post so they can close the account. I never had an account with bank of the west. I was told that they will cut me a cashier 's check when they close the account and I " might '' be able to pick it up at the branch on Thursday XX/XX/XXXX. I am extremely upset about this. I do not like having a derogatory mark on my account and I need these funds asap. I'm hope cfpb can assist. 

XXXX 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 monetary relief
Consumer complaint received 2025-03-26 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: PA

Complaint narrative:
When reviewing my credit report today, I was surprised to find accounts that shouldnt be there. I regularly check my report, but these discrepancies appeared unexpectedly. Hoping it was just a system error, I refreshed my browser, but the incorrect accounts remained. Because of this, I request a careful examination of my submitted documents to ensure I wont have to worry about this happening again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
The accounts on my report are incorrect and do not belong to me. Please remove these from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
The accounts on my report are incorrect and do not belong to me. Please remove these 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 2025-03-25 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:
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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I brought a XXXX XXXX XXXX  I paid it off. Exeter financial was charging me an early payoff fee and an extra month because paid the car off XX/XX/XXXX. I am still trying to get an itemized bill. I dont understand how I still owe them XXXX. They charge XXXX and still to get the money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
My profile includes some inaccurate personal information please review the relevant documents that have my correct 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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections on XX/XX/2024. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
MY DISPUTES WERE SENT TO YOUR COMPANY AND THE ALL CAME BACK VERIFIED AND UPDATED. THE ACCOUNTS WERE NOT ACCURATE AND REMAIN THAT WAY AFTER RECIEVING THE RESULTS FROM YOU. THIS IS A VIOLATION OF THE FCRA BECAUSE THESE ACCOUNTS SHOULD HAVE BEEN DELETED FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
MY DISPUTES WERE SENT TO YOUR COMPANY AND THE ALL CAME BACK VERIFIED AND UPDATED. THE ACCOUNTS WERE NOT ACCURATE AND REMAIN THAT WAY AFTER RECIEVING THE RESULTS FROM YOU. THIS IS A VIOLATION OF THE FCRA BECAUSE THESE ACCOUNTS SHOULD HAVE BEEN DELETED 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 2025-03-26 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: NY

Complaint narrative:
I am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections on XX/XX/year>. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Sometime around XX/XX/year>, I called Kohls to let them know i have not received the new Capital One Crdit card they have switched to but I continuously get emails to activate this card. I closed the entire account and never received my closure letter but I am still getting emails from Capital One to activate my card!?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX as it is on my Birth Certificate, California Real ID and my Military XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: VA

Complaint narrative:
Im having difficulty getting Mohela to stop calling/harassing my family members. They have my contact info and Ive responded. Theyve called them from various numbers and various reps ( XXXX XXXX, XXXX, XXXX XXXX ( Mgr ) ). ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. They call and email all times of the night and day to any contact info they have when I only answer to XXXX and XXXX XXXX XXXX. Ive asked them to save my info and stop calling my family. They said they can and will as needed. This is blatant harassment and needs to stop. Last payment was XX/XX/year> confirmation XXXX. Its not the full balance but Im progressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
XXXX AND ASSOCIATE XXXX ( XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) these account were open without my knowledge or permission .I am a victim of identity theft, I reached out multiple times and expressed I did not open these accounts nor did I give any one permission to open these accounts. failed to complete a proper and inaccurate investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: VA

Complaint narrative:
Experian Consumer Solutions, has illegally acted against the consumer and violated many laws, instead of addressing complaint 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 2025-03-26 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: VA

Complaint narrative:
Experian Consumer Solutions, has illegally acted against the consumer and violated many laws, instead of addressing complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS DEFAMATION COLLUSION AGGRAVATED IDENTITY THEFT COLLECTIONS FALSE REPORTING & 18 USC 96 NOTICE INTENT TO SUE I HAVE NO BUSINESS WITH YOUR COMPANY AFFIANT : XXXX : XXXX XXXX XXXX DEFENDANT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX AFTER XXXX XXXX XXXX : ALLEGED ORIGINAL CREDITOR : XXXX XXXX ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE $????? 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX Caine & Weiner Company , Inc . REPEATED OFFENDER -BULK DEBT COLLECTOR BUYER STOP VIOLATING FDCPA USC 1692D I NEVER gave your company consent to use this account/estate XXXX XXXX XXXX IN COMMERCE EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. OR CFPB WILL SUE BLUNTY, AFFIANT .XXXX XXXX XXXX XXXX Living woman far from being dead Beneficiary OF XXXX XXXX XXXX not TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I had an account with capital one that became restricted and after closing the account was never told anything by mail or email of an outstanding balance that still needed to be paid and also I never used the card either. I called Capital One and they told me that I needed to talk to experian in order to fix the late payments on my account which was lowering my credit score and making me have a delinquent status. I disputed this all with XXXX and let them know I was never told of the outstanding balance and I have also already paid the balance off to capital one. This dispute results still have the late payments on my credit report and are still hurting my credit. I am unhappy of the dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one 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. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This letter is an attempt to resolve some late fee issues before I file a small claims lawsuit in the XXXX XXXX County Superior Court system. Arbitration is not an option as I opted out within 45 days of opening the account ( documentation can be provided at Small Claims hearing if objecting to lawsuit ). I have been charged approximately ( 7 ) late fees and ( 2 ) minimum interest charges. I have reported multiple times that I have not received any paper billing statement and I have not received any electronic billing statement or email notifying me about billing statements. I have also informed your representatives over the phone of not being able to view the statements online and that I have tried to sign up for auto-pay but have been unsuccessful as the online option doesnt work and setting this up over the phone with your representatives have been unsuccessful. I am alleging that Synchrony Bank purposely made it near impossible if not impossible to sign up for auto-pay and to access billing statements with the sole purpose of putting consumers in situations were their payments would be late in order to charge them late fees and minimum interest charges. This type of deceiving behavior is illegal.

I request that you credit me for the last ( 2 ) late fees that I was charged as I was told that ( 5 ) out of the ( 7 ) late fees have been credited back and that ( 2 ) out of the ( 2 ) minimum interest charges have been credited back. I reported not receiving billing statements and there is not proof that Synchrony Bank provided these billing statements to me such as a paper or electronic delivery confirmation. After going back and forth with multiple account managers and explaining all of this in order to get the last ( 2 ) late fees credited, I explained that I would be taking legal action as they have refused to assist with this. However, I must first attempt to resolve the issue with you directly before filing a lawsuit in LASC. I am requesting that you credit me {$82.00} for the last ( 2 ) late fees and that in addition to that, you also pay me {$1000.00} for the inappropriate behavior your bank engaged in with me and with other consumers. In return, I will release you of all your liabilities and will not engage in a Class Action Lawsuit, Unlimited Lawsuit, or Small Claims Lawsuit. I have audio recordings and documents that will support my claims against your bank for the illegal behavior I have alleged above. I will also not assist any government agency in any investigation into the illegal misconduct I am alleging. 
You have until Friday ( XX/XX/year> ) to settle this matter with me before I initiate legal action against your bank and before I take action against your call centers.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have 5 missed payments to old in to be reporting.

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