vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: KY

Complaint narrative:
Some open a car loan with my information. They opened bank accounts and phone to pose as me. They stole my IDENTITY

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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: DE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to you on behalf of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX regarding serious issues with our business accounts managed by Relay Finance. We urgently seek your assistance and intervention to resolve these matters. 

Firstly, our business account with XXXX XXXX XXXX XXXX XXXX XXXX encountered account closed on XX/XX/XXXX. Despite multiple attempts to communicate with Relay Finance, the issue remains unresolved. We request CFPB 's intervention to help us address this problem. 

Secondly, our business account with XXXX XXXX XXXX XXXX XXXX XXXX [ Account Number ] has experienced a more concerning issue. Approximately {$400000.00} has inexplicably disappeared from the account without any checks or transfers to our bank account. Despite our inquiries, we have received no response from Relay Finance. This situation has caused significant concern regarding the whereabouts of our funds, and we urgently seek CFPB 's support to investigate and resolve this matter. 

We were initially informed that the funds would be returned and that an investigation would take 60 days. We fully cooperated during this period. However, upon logging into the account recently, we discovered that the funds had vanished without any notification from the bank. This has left us shocked and deeply concerned. 

We highly value our relationship with Relay Finance, but these issues have severely impacted our business operations. We believe CFPB 's involvement can help restore normalcy to our accounts. 

Thank you for your attention and assistance. Please feel free to contact us for any further information or documentation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX ( XXXX ) XXXX XXXX / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
I am a victim of identity theft and discovered multiple fraudulent accounts and inquiries on my Clarity credit report, which I obtained on XX/XX/year>. These accounts were not opened or authorized by me. They were reported under the name XXXX XXXX, not my legal name, and included a different date of birth and address in XXXX, CA. My correct identity is XXXX XXXX, and I reside in XXXX, CA. 

The fraudulent accounts listed on the report include : XXXX XXXX Charged off for {$3400.00} XXXX Charged off for {$990.00} XXXX XXXX Charged off for {$4700.00} Multiple Net Pay Advance accounts Several listed with collections or closed/charged-off status Dozens of unauthorized inquiries from lenders including XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX I submitted an FTC Identity Theft Report and signed Affidavit of Dispute in accordance with the Fair Credit Reporting Act ( FCRA ) 605B, which requires consumer reporting agencies to block fraudulent information within XXXX business days. 

Additionally, I am a resident of California, and under the California Identity Theft Law ( XXXX. Code XXXX ) and the California Consumer Credit Reporting Agencies Act ( XXXX. Code XXXX ), I have the right to demand the immediate removal of information that is fraudulent, inaccurate, or the result of identity theft. Clarity Services is also bound by the California Consumer Privacy Act ( CCPA ), which gives me the right to request deletion and restrict the sharing of my data. 

Clarity has failed to properly verify the identity used to open these accounts and has continued to report them, causing me reputational and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: IL

Complaint narrative:
I am filing this complaint because TransUnion has failed to remove 103 unauthorized and fraudulent hard inquiries from my credit report, despite multiple disputes and documentation I have submitted over the past several years.

I did not authorize any of these inquiries. I submitted several written disputes to TransUnion, including : A full list of the unauthorized inquiries My government-issued ID Proof of address A copy of my FTC Identity Theft Report Detailed written statements explaining the situation TransUnion has either ignored my disputes, failed to respond meaningfully, or responded with vague form letters claiming the information was verified, without providing any actual verification.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 609, which gives me the right to know the source and authorization for each inquiry Section 611, which requires TransUnion to conduct a reasonable investigation and remove unverifiable or inaccurate information These fraudulent inquiries have negatively impacted my credit score, caused me to be denied credit, and caused significant emotional and financial stress. I have made every reasonable attempt to correct this directly with TransUnion and have now exhausted all other options.

I am requesting that the CFPB require TransUnion to : Remove all 103 fraudulent inquiries from my credit report Provide written confirmation that these have been deleted Investigate how TransUnion allowed these inquiries to remain on my report after being notified of fraud and receiving proper documentation Please help enforce my rights under federal law and compel TransUnion to follow the FCRA. 
Ive going through this with transition of 4 years. They have yet to listen to my concerns after telling me what to do I always comply but they never help me.

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 2025-04-06 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: PA

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 XXXX 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 2025-04-06 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: IL

Complaint narrative:
This alleged Debt " XXXX '' has violated Regulation F, which implements " the Fair Debt Collection Practices Act ( FDCPA ), outlines rules for debt collectors, including provisions for handling consumer disputes and prohibiting certain collection practices, such as suing or threatening to sue on time-barred debts. '' Violations of the FDCPA and Regulation F can also result in civil penalties, including statutory damages, actual damages, and attorney 's fee 's " Debt collectors/ Credit agencies must provide notice to consumers before reporting information about an alleged debt to a consumer reports. '' XXXX as the collection company, Transunion, Equifax, Nor Experian as the credit agencies has notified me regarding this accouny they violated my consumer rights, and placed this alleged debt onto my credit reports.

I the Consumer Request a Validation of Debt such as A signed contract, my signature must be visible to validate what has been reported to the CRA 's is accurate. nothing being reported should be an inaccuracy acvording to the FCRA the credit reports must be Accurate. if this can't be obtained this must be deleted immediately 15 U.S.C. 1681s-2 : This section outlines the responsibilities of furnishers of information to consumer reporting agencies, including the requirement to provide notice of furnishing negative information also as this alleged debt was placed on experian I've disputed it, but as it was placed on equifax and transunion it was not notified to the credit agencies this account is in dispute which is another violation " Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. ''

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 2025-04-06 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: IL

Complaint narrative:
This alleged Debt " XXXX '' has violated Regulation F, which implements " the Fair Debt Collection Practices Act ( FDCPA ), outlines rules for debt collectors, including provisions for handling consumer disputes and prohibiting certain collection practices, such as suing or threatening to sue on time-barred debts. '' Violations of the FDCPA and Regulation F can also result in civil penalties, including statutory damages, actual damages, and attorney 's fee 's " Debt collectors/ Credit agencies must provide notice to consumers before reporting information about an alleged debt to a consumer reports. '' XXXX as the collection company, Transunion, Equifax, Nor Experian as the credit agencies has notified me regarding this accouny they violated my consumer rights, and placed this alleged debt onto my credit reports.

I the Consumer Request a Validation of Debt such as A signed contract, my signature must be visible to validate what has been reported to the CRA 's is accurate. nothing being reported should be an inaccuracy acvording to the FCRA the credit reports must be Accurate. if this can't be obtained this must be deleted immediately 15 U.S.C. 1681s-2 : This section outlines the responsibilities of furnishers of information to consumer reporting agencies, including the requirement to provide notice of furnishing negative information also as this alleged debt was placed on experian I've disputed it, but as it was placed on equifax and transunion it was not notified to the credit agencies this account is in dispute which is another violation " Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. ''

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 2025-04-06 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NC

Complaint narrative:
XX/XX/year> I disputed all my hard inquiries with Equifax they didnt investigate properly because I got results back in one day online and had over XXXX hard inquiries that I didnt authorize an they keep saying I did when I have proof of someone been using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Your Name : XXXX XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Company Name : Credit Acceptance Corporation Company Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Product : Vehicle loan or lease Issue : Problem with the lender or dealer Complaint against Credit Acceptance Corporation I am the lawful owner of a XXXX XXXX XXXX ( VIN : XXXX ), which I purchased at a marshals auction in New York XXXX. ( See Attachment 1 : Bill of Sale Copy ). Credit Acceptance Corporation ( CAC ) is listed as a lienholder on the vehicles title. ( See Attachment 2 : Title Copy ). 
On XX/XX/XXXX, pursuant to New York Vehicle and Traffic Law XXXX, I submitted a formal written request to Credit Acceptances legal department by certified mail. ( See Attachment 3 : Request Letter ; Attachment 4 : Certified Mail Receipt ). My request sought the following : 1. A copy of the security agreement associated with the lien ; 2. A detailed statement of the outstanding indebtedness, including its payment history ; 3. The current status of the lien, including whether the loan has been charged off or sold to another entity. 
As of the date of this complaint, more than ten ( 10 ) business days have elapsed without any form of response from Credit Acceptance. ( See Attachment 5 : USPS Delivery Confirmation ). Under New York law, the lienholder is required to provide this information upon written request from the legal owner of the vehicle. 
This failure to respond constitutes a violation of the following : N.Y. Vehicle and Traffic Law 2122, which mandates disclosure of lien details upon request by the legal owner ; UCC 1-304, imposing a duty of good faith and fair dealing in the enforcement of security interests ; 12 U.S.C. 5531 ( Dodd-Frank Act ), which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) ; State and/or federal licensing obligations by failing to comply with mandatory disclosure requirements and answering to the written request. 
Requested Relief : Immediate, complete response to the request for lien documentation and status ; If Credit Acceptance no longer holds a valid interest in the vehicle, issuance of a lien release ; Investigation by the CFPB into Credit Acceptances noncompliance with consumer protection statutes and regulatory duties ; Enforcement action as warranted by federal and state law. 
Attachments : XXXX. Bill of Sale from Marshals Auction XXXX. Title showing CAC as lienholder XXXX. Written Request sent to XXXX XXXX Certified Mail Receipt XXXX. XXXX Proof of Delivery Date : XX/XX/XXXX Signature : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased a vehicle truth a car dealership and was quoted am interest rate of 8.7 % when I signed my loan after Wells Fargo processed the loan at 18.9 % after 60 days of owning the vehicle. When I called them for months with the proof of my contract and signature and the dealership signed documents. I was told that they had a right to change my interest rate even after the loan was processed. I tried to refinance through another company and they denied the payout value of my vehicle. I finally traded it in and got a new bank but not after paying years of higher interest rates that were quoted.

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 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I hadn't been asked if my money 's was going to the right person.

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 2025-04-06 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: DC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: MD

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 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am writing to formally file a complaint regarding the handling of my funds in my XXXX account. I have been using your service to process credit card payments. However, my account balance has been placed on hold, and to date, these funds have been withheld for over 180 days. 

This delay has caused significant disruption to my business operations. According to your previous communication, the funds were scheduled to be released after 90 days. However, despite the passing of more than double that period, I have yet to receive the funds. 

Please find attached supporting documents, including detailed records of the withheld amount. 

I kindly request that you immediately review my account and release the withheld funds as soon as possible. I appreciate your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: IL

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 response to consumer: Closed with non-monetary relief