vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX a notarized certified letter was sent a letter to XXXX XXXX to verify that they provided me with the required GLBA disclosures. 
I was unaware of my right to opt-out of having my information shared, which directly led to a security breach on my personal identity impacting my credit report. 
At this point my information has been shared so much. I have over XXXX security breaches/inquires since XX/XX/XXXX when the lease for XXXX was signed. I have paid every amount onetime since the opening. When learning about this violation of my privacy because of this lease. Them not sending me the These forms at signing or at dispute request, as mandated by the GLBA, should have included : Privacy Notice : This document should have outlined your institution 's policies regarding the collection and sharing of my nonpublic personal information, explaining the types of information collected, how it is used, and under what circumstances it might be shared with third parties. 
Opt-Out Notice : This notice should have given me the opportunity to " opt out '' of having my nonpublic personal information shared with certain nonaffiliated third parties, with clear explanations on how to exercise this right. 
Safeguards Notice : This should have detailed the measures your institution takes to protect the security and confidentiality of my personal information. This could have been included in the privacy notice or as a separate document. 

I received none of these documents and my request is that this is removed from my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Purchased my car XX/XX/2023. Simple interest loan ( GM Financial XXXX. The terms..only pay interest on the remaining principal for the amount of days used that month. If I pay early, or send extra money to lower the principle my interest payment goes up the next month instead of down. I have contacted them on numerous occasions only to hear " well that's not right, a supervisor will call you '' they never call. This has happened at least five times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing several credit inquiries that appear on my credit report. I do not recognize or authorize these inquiries, and I request that they be removed from my report immediately in accordance with the Fair Credit Reporting Act ( FCRA ) 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 explanation
Consumer complaint received 2025-02-26 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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 to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My account has current over XXXX of cash. There was a fraud against the account in XXXX and investigation was completed in my favor and the funds were return to my account. 

On XX/XX/year>, I requested to have the account closed but they state because the account has had fraud, it can not closed immediately and I must have 30 to 60 days before the account can be closed. They said the alterative is either travel to closest branch ( which would 2 states away ) or sign some imdenmity form to release the account and I would be alone responsible for any fraud that occurs on the account. 

Citi Reference Number : 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 monetary relief
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving 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 2025-02-26 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: Early Warning Services, LLC
State: IN

Complaint narrative:
These accounts were opened without my knowledge or consent and are the result of identity theft. XXXX XXXX XXXX And XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MI

Complaint narrative:
This complaint is regarding an ongoing issue with the banking service cashapp. In which the first issue occurred on XX/XX/XXXX, when there was a market place order in the amount of XXXX for a bitcoin without my knowledge or authorization. I reached out to cashapp at XXXX XXXX, I was told that I had to send additional money in order to use my own account and the XXXX was never recovered or returned to my account. Due to using the cashapp banking service to get payroll deposits from my job, I continued to use my cashapp account. In which the most recent incident occurred on XX/XX/XXXX, where I am unable to receive any cashapp payments, I got a message I am unable to receive payment at this time I reached out to cashapp customer care at XXXX, an I was told by a cashapp representative that my account has been closed due to unspecified reasoning, Other than my activity are against their teams of service an my account has been closed. In conclusion, I have been a customer of cashapp for the past 8 years, in which I have never used or attempted to use my cashapp banking service for anything against their terms of service. Furthermore, Im a XXXX XXXX XXXX XXXX XXXX, in which, I have no intentions on using my account for reasons unspecified, that are against cash apps terms of service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
I was a victim of a data breach and identity theft because of XXXX, Transunion, and XXXX, credit reporting companies and I contacted these companies to get these charges off my 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint under my rights granted by the Fair Credit Reporting Act ( FCRA ) due to a data breach involving Experian, which has raised serious concerns about the accuracy and integrity of my credit report. Upon reviewing my report, I discovered student loan and charged-off account information, along with other account details that also contain inaccuracies or lack proper validity.

I exercised my right under the FCRA to dispute this information ; however, I was unsatisfied with the inadequacies of the dispute process. Despite my efforts, the investigation conducted was insufficient, and the inaccurate or unverified information remains on my report without proper validation. This failure to properly investigate and correct errors violates my rights under the FCRA, which mandates that credit bureaus ensure the maximum possible accuracy of consumer reports.

Given these concerns, I am formally requesting the immediate removal of the student loan and charged-off account information, as well as any other accounts containing inaccuracies or lacking verified original details from my credit report.

Please address this matter promptly in accordance with federal regulations. I expect a response confirming the corrective actions taken within the timeframe outlined by the FCRA.

Thank you for your immediate attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
The issue of debt collection practices raises significant concerns regarding consumer rights, particularly when collectors fail to validate debts. In my case, the persistent inability of the debt collector to provide adequate validation of these alleged debts violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). The absence of proper documentation not only undermines the legitimacy of the claims but also unjustly jeopardizes my credit score, which is critical for future financial opportunities.

Furthermore, my attempts to resolve this matter with the credit bureau have been met with inadequate responses, leaving me in a state of financial uncertainty. The failure to rectify these inaccuracies perpetuates a cycle of harm that affects my ability to secure loans and other financial instruments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 recently pulled my credit report and found some inaccurate accounts that were reported. I have made a list of the inaccurate accounts that I would like removed. I am in the process of buying my first home for my family. Please review all of the documents and remove the listed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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 express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams This lack of accountability and transparency 's unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Experian, I am writing to dispute inaccurate personal information appearing on my credit report provided by Experian. After reviewing my report, I have found the following discrepancies that I believe are incorrect : NAME : XXXX XXXX XXXX ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the **Fair Credit Reporting Act ( FCRA ) **, I am requesting that you immediately investigate these discrepancies and remove any inaccurate information that can not be substantiated. The accurate information is as follows : - **Full Name** : XXXX XXXX XXXX - **Current Address** : XXXX XXXXXXXX XXXX XXXX XXXX XXXX - **Date of Birth** : XX/XX/1990 - **Social Security Number** : XXXX I am exercising my rights under the **FCRA**, which mandates that you correct or remove any inaccurate or incomplete information from my credit report. As per the law, if the disputed information can not be verified, you are required to delete it. 

Additionally, I want to emphasize that under the **Consumer Financial Protection Bureau ( CFPB ) ** guidelines, any inaccurate reporting that is not promptly and adequately addressed may result in further action. As outlined in **CFPB regulations**, failure to correct or remove inaccuracies within 30 days is in violation of consumer rights and could lead to legal action. 

For your reference, I have attached copies of documents that support my dispute, including drivers license, utility bill, and Social Security card. I respectfully request that you conduct a thorough investigation and provide me with an updated copy of my credit report once the dispute is resolved. 

Under the **FCRA**, you are required to notify me of the results of your investigation within 30 days. Should you fail to respond or fail to correct the inaccuracies, I reserve the right to escalate the matter to the **CFPB** or take further legal action to ensure my rights are upheld. I am also exercising my rights under the XXXX, XXXX, AND FDCPA. 

Please send me a written confirmation of the actions taken in response to this dispute, along with a copy of my corrected credit report. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

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 2025-02-26 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: FL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : DPT ED/XXXX XXXX Balance Owed : {$5700.00} DPT ED/XXXX XXXX Balance Owed : {$3300.00} DPT ED/XXXX XXXX Balance Owed : {$1700.00} DPT ED/XXXX XXXX Balance Owed : {$5100.00}

Company response to consumer: Closed with non-monetary relief