vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
A {$1000.00} American Express gift card I was gifted by my employer is useless at every single online store Ive tried it at ( over XXXX ). I can not withdraw the money or use the funds anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-26 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: CarMax, Inc.
State: KS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally bring to your attention an issue regarding a Bill of Exchange ( BOE ) I submitted to CarMax Auto Finance as a means to settle and discharge my outstanding car loan, pursuant to applicable federal laws. 

On XX/XX/year>, I sent a Bill of Exchange in accordance with U.S. Code Title 31 Section 5118, which recognizes obligations and discharge of debts using instruments such as BOEs. Additionally, U.S. Code Title 12 Section 1813 ( l ) ( 1 ) affirms that negotiable instruments, including BOEs, serve as legal tender when properly executed.

Despite the submission of this lawful instrument to CarMax Auto Finance, I have not received confirmation that the debt has been discharged, nor have I received the clear title to my vehicle. As required by UCC 3-603 ( Tender of Payment ), once lawful tender has been provided, the obligation must be considered satisfied. Furthermore, under U.S. Code Title 15 Section 1692e, financial institutions and lenders are prohibited from misrepresenting the legal status of a debt once valid payment has been made. 

I am requesting CFPBs immediate intervention to ensure CarMax Auto Finance acknowledges and processes the submitted Bill of Exchange per legal requirements. Additionally, I demand that my vehicles title be released to me promptly, as the obligation has been lawfully settled.

Please provide written confirmation of your receipt of this complaint and an update regarding the steps you will take to ensure compliance by CarMax Auto Finance. I appreciate your swift attention to this matter and expect resolution in a timely manner.

I have the copies of the BOE, certified mail, as well as the 1099 A,
1099 OID and 1099 C that was also submitted to the IRS to discharge this debt. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 requested a 1099-C form be sent to me ; however, I have not received this information.

In addition, this debt has been sold.

I also am requesting the a ) Date of Delinquency, b ) Date of Last Payment, c ) Charge-Off Date, d ) Amount owned and what amount was this debt sold for.

Any additional communication or documentation regarding the cancellation of this debt ( insurance payment, etc ).

This is my second request.

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 2025-03-26 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time XXXX reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2025-03-26 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: NJ

Complaint narrative:
I am requesting assistance from the CFPB regarding an unresolved issue with TransUnion. I have already disputed this account so many times that Ive lost count, yet the unauthorized account remains. The account in question is XXXX XXXX XXXX, and it is being reported only by TransUnionnot even XXXX or XXXX are reporting it, which raises serious concerns about its accuracy and legitimacy. Despite my repeated efforts, TransUnion has responded with generic verified notices instead of addressing my request to delete or correct the inaccurate reporting. I also never requested a fraud block, yet TransUnion declined one, further showing a failure to properly review the nature of my dispute. I am concerned they are not following reasonable procedures, as required under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 1681b ( 2 ) ( permissible purpose ). I have never given written authorization to TransUnion to report this account. This ongoing reporting has caused me emotional and financial harm, and I am now asking for CFPB assistance to ensure this issue is properly investigated, resolved, and removed or corrected on my credit file.

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 2025-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit and noticed I had fraudulent account on my report. Please removed these account from my report and files they are hurting my ability to obtain credit. XXXX XXXX XXXX  ACCOUNT 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 explanation
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 explanation
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a victim of a fraud and never received the item or a return of my deposit. I contacted both Truist and their partner, XXXX, ( in about 1.5 hours ) while the transaction was still pending. I was instructed to wait three days for the transaction to post. Both Truist and XXXX failed to protect me as a consumer from this fraud. In addition, Truist instructed me to contact the fraudster directly to recover the lost funds. Law enforcement instructed me not to attempt contact with the fraudster as this could place me further at risk of criminal activity. This was for a refundable deposit for an item not received.

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 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OK

Complaint narrative:
Credit Bureaus Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against Mohela, XXXX, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Opened citibank account in beginning of XXXX. XXXX direct deposit of {$1000.00} was made by my employer in checking account on XXXX. My online access was revoked soon after. Citi closed my account without notice before XXXX ( they never let me know until XXXX. Before XX/XX/XXXX they told me that I there are some issues online and that I should go to ATM to pull my funds. When I called them unable to withdraw they said my account is closed ). I made the necessary changes in my payroll system to not send any more direct deposits to citi XXXX but it was too late and funds were issued on XX/XX/XXXX for the amount of {$840.00}. Citibank verbally told me that they would not accept the funds but they did and I have trace numbers from my employer on the receipt of both XXXX and XXXX direct deposits to Citi. End of XXXX i receive a check of {$25.00} from citi for my funds payback. I panicked and call them on XXXX XXXX XXXX ( Call reference no XXXX ) and confirmed that for some reason citi broke it down into two parts and that a check of $ XXXX is being issues and I would receive it in XXXX calendar days. Did not receive the check. So called again XX/XX/XXXX Sunday at XXXX XXXX  Call record number XXXX where they confirmed that they had made a mistake in processing the XX/XX/XXXX and hence they are reissuing. Someone would call me at XXXX either Sun or Monday to confirm a few things. No call back received. I called today XXXX went through XXXX different reps with the XXXX XXXX rep telling me that I need to wait XXXX business days more to receive the check as there is a delay. I wanted to know what the delay was. Was directed to security department where they aid that as it has been 60 days there is no check going out and that they have closed the matter. They don't owe me anything and they are not ready to further conversation. Please note that all previous reps before this confirmed that they owe me a check of {$1800.00} dollars. Please help me get my salary money 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 monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover admitted XXXX accommodations exist but refused to manually review my credit limit increase request due to my XXXX, forcing me into an automated system that ignores XXXX needs. They wasted hours deflecting instead of providing equal access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
Constantly receiving letter from XXXX XXXX XXXX  talking about the debt but there failing to validate it send debt validation letter last year no response.Was told they didn't have to which is totally not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: WI

Complaint narrative:
I am writing to formally dispute a late payment record on my accounts, account numbers : XXXX and XXXX, with DEPT ED XXXX According to my records, the payment in question was made on time, and I request a correction to reflect an accurate payment history. 

I have attached supporting documentation, including proof of payment, bank statements, and any correspondence regarding this payment. Based on this evidence, I kindly request that you investigate this matter and remove the late payment record from my account. 

I understand the importance of maintaining accurate financial records and believe that this late payment entry is incorrect. Please review my case at your earliest convenience and provide a written response confirming the outcome of your investigation. If necessary, I would appreciate any additional information you can provide regarding the reason for the late payment record.

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 2025-03-26 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: CT

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I was deeply shocked to discover that my credit report has been misused, with applications submitted in my name and unauthorized inquiries made without my consent. I have no connection to these companies, nor did I authorize or apply for any credit with them. These fraudulent actions are a clear violation of my rights as a consumer, and it is both insulting and unacceptable for me as a law-abiding citizen to experience this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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