vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: GFS II, LLC
State: TN

Complaint narrative:
Dear Sir or Madam, I am writing regarding the financing records for my vehicle purchased on XX/XX/year>. I have a copy of the purchase contract from the now-closed dealership, which states the following : Purchase Price : {$14000.00} Additional Charge for XXXX  Coverage : {$850.00} However, the contract does not include the {$2000.00} down payment that I provided at the time of purchase. Despite this, your records show a financed amount of {$18000.00}, which does not appear to reflect my down payment or match the totals outlined in my contract. 

I respectfully request the following : XXXX. A detailed, written breakdown of how the financed amount of {$18000.00} was calculated. 
XXXX. Clarification on how the {$2000.00} down payment was applied to the purchase, given that it is not reflected in the copy of the contract that I have received. 
XXXX. An itemized list of any additional fees, taxes, or charges included in the financing. 

I have enclosed copies of the purchase contract and documentation verifying my down payment. Please respond in writing within XXXX business days from the date of this letter. If I do not receive a satisfactory explanation or correction, I may consider further steps, including filing a complaint with the appropriate regulatory agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
I am requesting an investigation into certain accounts and inquiries on my credit report that may violate federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information in my file. Accounts can not be reported without proper authorization, and outdated negative information must be removed. Additionally, data furnishers are required to ensure all reported details are correct. If the disputed items can not be fully verified with supporting documentation, they should be deleted immediately. Please review these inaccuracies and provide written confirmation of your findings and any corrective actions taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/year>, my Debit card was charged XXXX for XXXX XXXX. I did not authorize this purchase and I went to my bank, Santander, to dispute the charge and open a fraud investigation. They shut my card down and issued me a new one while they investigated.

A month later Santander U.S notified my that their investigation did not fall in my favor as they are taking the side of the merchant. 

I was not called during their investigation to provide any further information that may help them realise that this was not me. XXXX XXXX was apparently able to give them a enough info and now I am being held accountable for something that was not my purchace. 
I hope you can help, not sure what to do when my bank Im supposed to trust, sides with the fraudster.

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 2025-03-01 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: Westlake Services, LLC
State: IL

Complaint narrative:
accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written.U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Requested authorization of information that was shared in data breach and 3rd party consuming

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Customer Service Center XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Urgent Resolution Request SBA Loan No. XXXX Dear Customer Service Representative, I am writing to formally request an investigation and resolution regarding the funds associated with my SBA loan ( Loan No. XXXX ). The loan funds were returned by my bank, Citi Bank, and despite extensive efforts, I have been unable to determine their current status or final disposition. 

Background of the Issue On XX/XX/XXXX, Citi Bank unexpectedly placed a hold on my business account after I visited a branch in XXXX XXXX XXXX with my son, who was in the process of opening his own account. After attempting to make a business payment, I discovered the hold and immediately contacted Citi Bank, at which point the restriction was briefly removed. However, shortly thereafter, my account was placed on hold again and eventually frozen. 

Despite multiple inquiries, Citi Bank refused to provide a clear explanation for these actions. As a result, I was unable to access my SBA loan funds, and the account was later closed without notice. I made several attemptsboth in person and via phoneto obtain information about the funds, but I was consistently met with a lack of transparency.

Financial and Business Impact As a direct consequence of this situation : I was unable to use my SBA loan funds to support my nonprofit organization, XXXX XXXX XXXX, as intended. 
I incurred financial hardship, covering business expenses personally in order to maintain operations. 
My MySBA portal still reflects a balance of {$110000.00}, creating confusion regarding the loans status. 
I was unable to apply for forgiveness or resolve my loan status during the active forgiveness period due to my inability to access the funds. 
Interest and fees have accrued unfairly, despite my inability to use or return the funds due to banking restrictions beyond my control. 
Steps Taken to Resolve the Issue I engaged an SBA affiliate and business consultant to investigate, but they were unable to locate the funds. 
I contacted an SBA representative in XXXX XXXX, who also could not track the funds. 
In XX/XX/XXXX, I spoke with another SBA representative who suggested the funds had been returned but provided no further details.

To date, I have not received confirmation as to whether the funds were properly returned to the SBA, remain in Citi Banks possession, or were misallocated.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon viewing my most recent consumer report, I discovered bankruptcies that should not be present. Having recently studied relevant laws, I found that this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy. These bankruptcy entries should not appear on my credit report, and you have released my personal information without my consent. This situation is completely unacceptable, as I am a victim of identity theft. Please be aware that you may be both criminally and civilly liable for these violations. If this complaint is not handled appropriately, I will pursue legal action against your organization.

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 2025-03-01 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2025-03-01 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 am requesting an investigation into certain accounts and inquiries on my credit report that may violate federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information in my file. Accounts can not be reported without proper authorization, and outdated negative information must be removed. Additionally, data furnishers are required to ensure all reported details are correct. If the disputed items can not be fully verified with supporting documentation, they should be deleted immediately. Please review these inaccuracies and provide written confirmation of your findings and any corrective actions taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

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 2025-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: MD

Complaint narrative:
They are saying that I am a co signor of these accounts when I have never co signed it is possible someone used my Information in a fraudulent manner. I have disputed this with all XXXX  credit bureaus, XXXX came back saying it still belongs to me but have not provided me Information or proof that this belongs to me. It is affecting my account negatively due to it being tied to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The business Checking and the Chase Unlimited credit card was opened on XXXX XXXX. To fund the checking account while waiting for the card to arrive, I accepted payments from paying customers through XXXX. XXXX XXXX at about XXXX I received an email saying both accounts were restricted and may be closed due to needing more information from me and or other issues. I opened both accounts at one of the Chase branches. My customers were able to XXXX me, one of my customers had to XXXX another account of mine I wanted all of my business funds showing up into XXXX account so I XXXX myself the funds that I had just received from a customer. My last customer wasn't able to XXXX me which was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Global Lending Services LLC
State: TX

Complaint narrative:
I am deeply concerned about the derogatory rating on my account and its significant impact on my credit standing. This negative mark has already resulted in the denial of a recent loan application and triggered increased interest rates on my existing credit accounts. The financial and emotional distress this situation has caused is severe and will continue until this matter is properly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am deeply concerned about the derogatory rating on my account and its significant impact on my credit standing. This negative mark has already resulted in the denial of a recent loan application and triggered increased interest rates on my existing credit accounts. The financial and emotional distress this situation has caused is severe and will continue until this matter is properly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
Im attaching an FTC report with 5 fraudulent accounts! Please remove block delete under FCRA 605B

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 2025-03-01 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am deeply concerned about the derogatory rating on my account and its significant impact on my credit standing. This negative mark has already resulted in the denial of a recent loan application and triggered increased interest rates on my existing credit accounts. The financial and emotional distress this situation has caused is severe and will continue until this matter is properly resolved.

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 2025-03-01 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: TN

Complaint narrative:
I reached out to the company to remove the medical debt on my credit report. They verified that the debt is a medical debt and did not remove it. A law passed that does not allow the reporting of medical debt on a 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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally expressed my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to predict consumers, but also has allowed repeat offenders to explore the system even users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon viewing my most recent consumer report, I discovered bankruptcies that should not be present. Having recently studied relevant laws, I found that this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy. These bankruptcy entries should not appear on my credit report, and you have released my personal information without my consent. This situation is completely unacceptable, as I am a victim of identity theft. Please be aware that you may be both criminally and civilly liable for these violations. If this complaint is not handled appropriately, I will pursue legal action against your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Its been almost XXXX days since I am unable to use my account I CALLED AFTER XXXX HOURS OF WAITING AN AGENT CAME AND ASKED ME IF I DIDNT KNOW THAT MY ACCOUNT WAS FROZEN. I said no I used the account the night before. He then asked me if I didnt get a notification or a letter I said no nothing. I didnt see cause for concern. Theres no fraudulent activity going on. I wouldve noticed. But he said they froze my accounts because of fraud. When in XXXX XXXX  XXXX XXXX is the biggest fraud. This is the XXXX time in less than XXXX years I called again the next day they lied to me and again was not helped.

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