vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PLANET HOME LENDING, LLC
State: AL

Complaint narrative:
I have been requesting a payoff letter since XX/XX/XXXX, at a promised turn around of XXXX business days. I called and confirmed it was correct and they stated that if I had emailed the email provided with a good through date, and the loan number it would be given to me XXXX Then they informed me they had rejected my request because I didn't provide them an ink signature. So I resubmitted the request, with a signed request on XX/XX/XXXX. On the XXXX, they informed they were not able to provide me that until their system was updated with a loan modification, which they have had the paperwork since XXXX, and first they stated they were waiting for the local courthouse updated it, but that was confirmed by the courthouse to be done in XXXX, now they are blaming XXXX XXXX. 

All the while they are refusing my request for a payoff letter, which is in direct violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I'm filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Dispute my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without proving any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides customers with the necessary proof of investigation. 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
On Friday XXXXXXXX XXXX XXXX XXXX  I went to wake my son up for school by opening his window curtains and noticed a random tow truck in my driveway hooking up to my car regardless of the posted no trespassing signs. I ran to get my phone which was actually ringing and it was GM Financial calling me. I answered the phone " NO NO please stop the tow truck I will give you money. '' The GM Financial rep responded " NO ''. I explained to the rep that GM Financial is well aware that I am currently on unemployment, that I had given them a partial payment on XX/XX/year>, that I had been working with them since losing my job in XXXX and had all intentions of continuing to do so. The representative informed me that GM Financial would be continuing with the repossession and that she could transfer me to the reinstatement department. At the time of repossession the account was 75 days past due according to them. The payment of {$250.00} they received on XX/XX/year> was not being accounted I'm assuming because it was a partial payment. GM Financial did not have consent to disclose my personal information to the third party company that towed my vehicle off of posted no trespassing private property. They have also taken the vehicle out of state. I am currently the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on unemployment at this time. GM Financial has put me in a deeper financial hardship then what I was already currently in by repossessing our only vehicle. My XXXX XXXX XXXXXXXX XXXX has had to quit going to the XXXX XXXX XXXX XXXXXXXX after school because I have no transportation to pick him up. He has also missed his basketball practice this week due to no transportation. My XXXX XXXX XXXXXXXX XXXX has had to call out of work 3 times this week due to no transportation this week. Although I have more then willing to work with GM Financial, they have not been willing to work with me. The GM Financial manager sent me an email on Thursday, XX/XX/year> XXXX XXXXXXXX requesting that I reach out to him and I was not even given 24 hours to respond to that email before they sent a third party here to pick up the vehicle. I also received as letter dated XX/XX/year>, stating they needed to hear from me prior to the next month, XXXX, to resolve the issue or the account would be charged off and vehicle repossessed yet they repossessed the vehicle on XX/XX/year> with out allowing me the allotted time to respond to that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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.
State: AZ

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 2025-01-31 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is probably my XXXX complaint. I disputed the bankruptcy as being Inaccurate because your investigation keep finding th information as verified as accurate by XXXX XXXX XXXX XXXX cant verify information that does not exist so how is It you keep saying they did. Then your response is be specific but I have sent You letters from XXXX XXXX and the bankruptcy court that shows the information is not verifiable, and yet you turn a blind eye. So either you are not even reading the documents that are being sent, your agents are incompetent and needs training or not comprehending or you just referring back to the last investigation results or maybe you Like being paid off keep negative items on my report. Either way its unethical, not Fair credit reporting its affecting me an its illegal and violation of my rights as a consumer. So if you take a look at the attachments then you will know that you are inaccurately reporting information to my credit report. Im attaching documents which serves as proofs.

These proofs not only verify my identity but also provide the case numbers, and information from XXXX XXXX and us bankruptcy court they the information is not verifiable.

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 2025-01-31 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have XXXX inquiries on my credit report in which I dont recognize. 
I also have closed accounts on my credit in which should be removed from my credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
Dear CFPB, I'm filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because, in spite of my multiple disputes, they have consistently reported false information on my credit report. My rights under the Fair Credit Reporting Act ( FCRA ) are being directly violated by this. 

All of the aforementioned creditors and collection agencies are obligated by the FCRA to look into disputed material within 30 days. However, they failed to fulfill this obligation and instead verified the inaccurate data without valid evidence. This has negatively impacted my credit standing and my ability to secure favorable lending terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had two credit cards with Bank of America. I paid both in a settlement. In XXXX, I received a tax document to file these cards on my taxes. According to Federal guidelines credit cards can not be counted as credit and income. These two cards are still on my credit report. One account will be removed in XX/XX/XXXX and the other in XX/XX/XXXX. I am unsure how when both were paid at the same time. I have written BOA, XXXX, and XXXX and they refuse to correct my account.

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 2025-01-31 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: NJ

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I had XXXX XXXX monitoring my XXXX family building for a few years. I was selling it and tried to close the service. They said it couldn't be closed without a pin. I I did not have pin and told them I going away the winter and need it closed. They would not close the account. When I returned home, I found out they closed the account for lack of payment. I called them to complain That I did not own the building anymore and tied to close the Account. they said that they would reduce the balance but not take it off. I did not owe any money and did not pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
I have contacted company on occasions to dispute charges. They always deny them even with documentations they never reach out to you for a question and answer or to send more documents that just go ahead and deny them they dont care what the reason is for they never properly investigate any dispute. All they say is they dont found any reason and they found the charges as accurate. Its like they working with the debt collectors. I asked him how do they find this accurate and they dont respond.

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 2025-01-31 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: SC

Complaint narrative:
I have contacted company on occasions to dispute charges. They always deny them even with documentations they never reach out to you for a question and answer or to send more documents that just go ahead and deny them they dont care what the reason is for they never properly investigate any dispute. All they say is they dont found any reason and they found the charges as accurate. Its like they working with the debt collectors. I asked him how do they find this accurate and they dont respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
3 instances I was charged incorrectly. 

1. XXXX XXXX {$500.00} ( I did not receive the goods ) 2. XXXX XXXX  {$800.00} ( THEY canceled my flight and promised a refund ) 3. XXXX ( car Company charged more than agreed amount ) I disputed with my UNITED card and every time even though I have all the documents and proof they say VISA denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
requested proof of ownership of debt on XX/XX/year> that was not provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Account : 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 2025-01-31 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: FC HoldCo LLC
State: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX, 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 XXXX 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 amend the disputed accounts, as XXXX 's inaction violates 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: LEXISNEXIS
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & XXXX  XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation