vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My account was closed by Citibank with {$2400.00} in it over a month ago. Citibank responded saying that they were not going to return my funds. This is a complete scam. I will go to every social media site and talk about how Citibank has stolen my money if it is not returned. I will also continue to call to submit complaints directly with Citibank and through the CFPB. This is completely unacceptable for a bank to steal my money and use some lame excuse to refuse to give back.

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 2025-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I sent a notice to Santander on XX/XX/year> that I have been a victim of predatory lending because their contract that was submitted to me is in excess of my state usury maximum allowable interest of 12 %. 

They replied back with a letter dated XX/XX/year> showing me a copy of the online contract confirming their interest rate of 18 %. 

I called them by phone ( spoke with XXXX employer ID XXXX ) to explained how that for 5 years I have been a victim of predatory lending practice with this excessive interest rate. She placed me on hold and came back to the line stating that management confirmed that the annual percentage rate is within the allowable state limits. She could not tell me how or what they were using to confirm their rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NV

Complaint narrative:
XX/XX/year> XX/XX/year> I've disputed incorrect information and collections being reported on my credit report. I've requested old addresses and names I've never used to be removed from my credit report. They still remain. I have sent in proof and my identity and address to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
I am a victim of identity theft. A fraudulent account was opened in my name at Current ( Finco Services Inc. ), which partners with XXXX XXXX XXXX. I did not authorize or open this account, and I was mailed a debit card associated with it, which I received on XX/XX/XXXX. 

I contacted Current multiple times both independently ( on the phone XX/XX/XXXX, via email XX/XX/XXXX ) and with the assistance of my identity protection service, XXXX ( via phone XX/XX/XXXX, XX/XX/XXXX ). Current confirmed by phone ( XX/XX/XXXX ) and email ( XX/XX/XXXX ) that they closed the account, but refused to provide full written confirmation that I am not liable for any charges and that my information would be cleared from any consumer reporting systems without a warrant or subpoena. 

When I escalated this issue to Currents partner bank ( on the phone XX/XX/XXXX with XXXX  ), XXXX XXXX Bank, they refused to assist. They deferred responsibility back to Current, despite their regulatory obligations as the FDIC-insured institution. 

I have filed a police report ( XX/XX/XXXX ) and an FTC Identity Theft Report ( XX/XX/XXXX ), placed fraud alerts on my credit files ( XX/XX/XXXX ), and requested documentation from both Current and XXXX XXXX to resolve this issue. However, neither company has confirmed that I am fully released from any liability, nor have they committed to ensuring this fraudulent account will not negatively impact my credit or consumer banking reports. 

I have also filed a separate complaint against XXXX XXXX, as both entities are involved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I was scammed and PayPal has reimbursed the scammer, then charged my account. This is the subject of my complaint XXXX. A scam buyer paid for a product, it was shipped, and then the customer claimed not to have received it. The data covering this transaction was on XXXX but that account no longer exists. PayPal 's solution is to permit the BANK OF THE SCAMMER TO DECIDE. All that the bank knows is if the account is legitimate. The bank knows NOTHING about the scammer 's behavior and even less about whether the product was purchased, paid for and returned. Having consulted the bank -- which does not have ANY useful information about the fraudulent transaction -- and the bank decided somehow, someway that this was my fault. Now PayPal says the matter is closed and will not give it any further consideration. I want my PayPal account CLOSED FOREVER and they insist that I pay them {$2400.00} for the privilege of no longer being their customer. I do not and can not agree with PayPal 's shocking stupidity. I will not pay that amount, ever. PayPal is without authority to keep the account open against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
ON XX/XX/year> I SENT XXXX DOLLARS FOR THE PURCHASE OF A TRUCK. I HAVE NOT GOT THE TRUCK THAT WAS TO BE DELIVERED XX/XX/year>.

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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the XXXX XXXX XXXX XXXX XXXX XXXX, the Attorney General and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. Per 15 USC 1681e ( b ), my consumer report contains numerous violations concerning the inaccuracy & incompleteness of accounts being reported to all credit bureaus. The accounts possess insufficient information concerning my payment history. Violations will be documented and attached for each 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
My information was exposed and XXXX  data breach 2022, Some come company 's help and set make up. Some company got me paying double.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
Account showing closed on credit reports. Delinquencies showing for XXXX and XXXX due to credit counseling advising not to make any payments. Credit reports show written off amount and highest balance amount being the same. Showing paid, as well. Judgement filed in a court of law by TD BANK USA/Target Credit, I believe for the write off amount. Total amount paid in full for the judgement amount by myself. Judgement was then cancelled and did not need to report to court. None of that is showing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-24 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 recently did an investigation on my credit report which caused severe XXXX  upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. I know that credit reporting agencies supposed to report only XXXX  % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation not reporting 100 % accurate. Also your responsibilities as a data furnisher let me remind you are in violation of 15 U.S. Code 1681s2 - ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 information is inaccurate.

In accordance with the FCRA, 15 USC 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. If you fail to comply with this request and send all documents that prove you seen and were sent to valid documentation to say these items are XXXX  % accurate you WILL BE HELD LIABLE under 15 USC 1681n and 15 USC 1681o Civil liability for negligent noncompliance. 
Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$2800.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$780.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$250.00} Company or Organization : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$340.00} XX/XX/XXXX, XXXX PM XXXX https : XXXX  XXXX Fraudulent Information on Credit Reports Other Identity Theft Company or Organization : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$880.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I recently did an investigation on my credit report which caused severe XXXX  upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. I know that credit reporting agencies supposed to report only XXXX  % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation not reporting 100 % accurate. Also your responsibilities as a data furnisher let me remind you are in violation of 15 U.S. Code 1681s2 - ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 information is inaccurate.

In accordance with the FCRA, 15 USC 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. If you fail to comply with this request and send all documents that prove you seen and were sent to valid documentation to say these items are XXXX  % accurate you WILL BE HELD LIABLE under 15 USC 1681n and 15 USC 1681o Civil liability for negligent noncompliance. 
Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$2800.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$780.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$250.00} Company or Organization : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$340.00} XX/XX/XXXX, XXXX PM XXXX https : XXXX  XXXX Fraudulent Information on Credit Reports Other Identity Theft Company or Organization : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$880.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-24 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: TN

Complaint narrative:
I received, an alert via Experian and XXXX alerting me that a collections account had been opened on my credit report. I requested the debt collector validate the debt and provide me with all information on file. Nothing has been furnished to validate this debt. I reported it with the credit reporting agencies, and it has yet to be removed. I have included this in my Identity Theft Affidavit formally filed with the FTC, approximately 30-45 days ago. This fraudulent account has yet to be removed and still continues to bring suffering to my life.

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 2025-03-24 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-24 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-24 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-24 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 am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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