vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing to formally complain about a deceptive and unfair car loan agreement facilitated by [ Dealership/Lender Name ] on [ Purchase Date ]. Despite my excellent credit score of XXXX, I was subjected to an interest rate far above what is typical for my credit profile. 

Upon reviewing my contract and comparing offers from other lenders, it has become clear that the terms I was presented do not reflect fair market conditions or transparent lending practices. Specifically : The loan 's Annual Percentage Rate ( APR ) was disproportionately high compared to rates I qualify for based on my credit score. 
No reasonable explanation or justification for the inflated rate was provided at the time of signing. 

This situation has caused significant financial strain and undermines trust in XXXX XXXX XXXX XXXXXXXX, VA. I believe these actions may constitute predatory lending in violation of consumer protection laws.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I was quoting car insurance, and my rates increased because my LexisNexis report ( Ref XXXX ) now shows a Comprehensive Claim of {$1000.00} or less on XX/XX/year>, listed on XXXX. This is incorrect, as I have never submitted a claim to any insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: FL

Complaint narrative:
It appears someone was able to get three replacement debit cards without my knowledge or authorization and used them to withdraw my government XXXX deposits for XXXX, XXXX, XX/XX/year>. Withdrawals and fees : {$3800.00}. SEQUENCE OF EVENTS : XX/XX/year> XXXX XXXX {$1300.00}. 
XX/XX/year> two Unauthorized debit card reissued ( 2x {$25.00} ) {$50.00}. XXXX 2024 unauthorized withdrawal ( debit card signature purchase from XXXXXXXX XXXX XXXX  {$1000.00} XXXX Two Unauthorized withdrawals ( {$100.00} and {$200.00} ) {$300.00} XX/XX/XXXX XXXX XXXX {$1100.00} XXXX XXXX four unauthorized ATM withdrawals ( {$300.00}, {$63.00}, {$300.00}, {$200.00} ) {$870.00} XX/XX/XXXX unauthorized ATM withdrawal fee {$8.00} XXXX unauthorized ATM withdrawal {$300.00} XX/XX/XXXX {$2.00} XX/XX/XXXX unauthorized additional card fee {$3.00} XXXX XXXX deposit {$1200.00} XXXX unauthorized card delivery fee {$25.00} XXXX XXXX four unauthorized ATM withdrawals Total {$910.00} ( {$300.00}, {$200.00}, {$300.00}, {$100.00} ) XX/XX/XXXX two Unauthorized ATM withdrawals XXXX {$300.00}, {$43.00} ) Total {$340.00} Total of unauthorized withdrawals : {$3700.00} Total of fees : {$110.00} TOTAL UNAUTHORIZED Withdrawals and Fees {$3800.00}

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 2025-02-18 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:
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
Consumer complaint received 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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 2025-02-18 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: CA

Complaint narrative:
Experian has failed to fulfilled its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of a disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved, The Consumer financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or ament the disputed accounts, as Experian 's inaction violated federal law and my rights 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 2025-02-18 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: PA

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 2025-02-18 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: NC

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 non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 to be 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.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Mercari, Inc.
State: TX

Complaint narrative:
Item : XXXX Proof ofXX/XX/XXXXcommunication is attached. 

Mercari charged {$130.00} for overweight shipment. 

XX/XX/XXXXcharge was actually {$48.00} for 17lbs. 

Mercari fraudulently came up with its own formula to defraud customers and charge dimentional weight, which XXXX did not charge. 

Since they fustrated me and I kept insisting that they read the evidence and refund me, they closed my account. 

The company owed me {$86.00}. 

Since the last complaint, they returned {$31.00} but still fail to provide actual invoice with actual cost because they are wrong. I provided email correspondence with XX/XX/XXXX ground. 

They still owe me {$54.00}. Their last response was unsatisfactory and lacks acknowlegement of wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: TX

Complaint narrative:
On XX/XX/year> at XXXX I sent money to my cousin in XXXX XXXX Sendwave XXXX XXXX XXXX XXXX XXXX  Sendwave XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX MA XXXX United States XXXX. ( XXXX ) XXXX www.sendwave.com I received an email a minute later I stating This receipt is not proof that funds have reached the XXXX waited a few hours for the transaction to process but till today XX/XX/year> the payment hasn't been processed.The money was drafted from my account on the same day of XXXX.Ive called customer service and each time the representatives tell me they'll be escalating the issue to the escalation team.I kindly need assistance because I'm afraid that sendwave will not give me a refund even after requesting for it multiple times

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
A third-party collection agency, TransWorld Systems , is reporting a collection account allegedly linked to XXXX XXXX on my credit report. I have no debt or financial obligation with this collection agency. I formally disputed this account via XXXX XXXX and XXXX, but it remains on my credit file without proper validation. I have requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ) and have not received any supporting documentation. The continued reporting of this unverifiable debt violates my rights under the FDCPA and Fair Credit Reporting Act ( FCRA ). I request the immediate removal of this account from all credit reports. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX. I have been a customer of Bank of America for XXXX years ( Preferred customer ) and I am also a former employee serving the company for almost XXXX years. I am reaching out to you as I am a victim of fraud through Bank of America. I was contacted by a person on XX/XX/year> saying they were Bank of America customer service and fraudulent activity was happening on my accout. They called from the Bank of America phone number, they announced themselves exactly like your representatives do. Additionally, they had all of my account information with the balances in my accounts. I tried to call Bank of America while I had them on the phone and I was on hold for XXXX minutes waiting for someone to take my call to verify.This tell 's me that my information was part of a breach on the bank 's behalf. The fraud took place as {$7500.00} was wired out of my son 's savings account which I am in to an account at XXXXThe law enforcement agency was able to place a hold on the funds in the account with XXXXXXXX XXXX. At no time have I received any follow up from your fraud team. I have had to chase them down to find out what is going on. I called and the representative told me that nobody has worked on this claim in XXXX months. Then a few days later I received a letter that the claim was declined and closed. I am very disappointed in the way this matter has been handled. The funds belonged to my son as he was saving for a car. He worked very hard that money. I feel Bank of America should take some responsibility as my account information was somehow comprised which seems to be a breach. All I am asking is this case be worked diligently. The law enforcement agency involved in this current matter has a grand jury supeona submitted to XXXX XXXX. It seems law enforcement is working harder on this matter than my Bank.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-18 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: PA

Complaint narrative:
Formal Complaint Against Equifax XXXX Experian Failure to Remove Inaccurate Information Date : XXXX XXXX XXXX Complaint Against : Equifax Experian Issue Summary : I am filing a formal complaint against Equifax and Experian for their failure to address my disputes regarding inaccurate information on my credit report, despite multiple attempts to resolve these matters.

Disputed Items : 1.Unauthorized Hard Inquiries I have requested the removal of two unauthorized or erroneous hard inquiries that negatively impact my credit score.

2.Delinquency There is a delinquency on my report that is inaccurate and does not belong to me.

3.Personal Identifiers My credit report contains incorrect personal information that I have requested to be corrected or removed. 

Attempts to Resolve : I have sent three separate dispute letters to Equifax and Experian via certified mail, providing supporting documentation. Despite their legal obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and correct inaccuracies within 30 days, they have failed to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX TX XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 explanation