vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute an error on my credit report, specifically regarding the re-reporting of a collection account that I have proven to be a result of identity theft. Despite providing the necessary documentation to the credit bureaus to support my claims of fraud, this account has been re-reported on my credit file, which I believe to be a violation of my rights under federal law. 

In 2023, I discovered that a collection account had been opened in my name without my authorization. I immediately took the necessary steps to report this fraudulent activity, including filing a police report, submitting a fraud alert with all three credit bureaus, and providing the bureaus with copies of the police report, proof of identity theft, and any other required documentation. 

However, despite my actions and the clear evidence provided, I have recently noticed that this collection account has been re-reported on my credit report by one or more of the credit bureaus. This situation has caused me significant distress and confusion. 

As you may be aware, under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, I am entitled to have fraudulent accounts removed from my credit report after providing appropriate documentation. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) outlines protections for consumers in cases of identity theft, and I should not be held liable for debts that are a result of fraud.

Given that I have fulfilled all legal obligations and provided sufficient proof of identity theft, I kindly request your assistance in ensuring the removal of this fraudulent collection account from my credit report, as it is adversely affecting my credit standing and causing ongoing harm.

Please consider this a formal complaint, and I request your immediate intervention to resolve this issue in accordance with the law. I would appreciate written confirmation of the actions you take to address this matter.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: LA

Complaint narrative:
I have submitted multiple letters on XX/XX/year>2024, requesting for accounts to be removed from my credit report. I've also requested for the investigation was done when the allegations from Experian stated they verified the accounts. I have not received any letters or any updates from Experian. This is a violation of FCRA Conducting investigations that fail to properly address consumers disputes.I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am requesting for these accounts to be deleted Immediately! 
XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX under the account number ( XXXX ) XXXX XXXX ( XXXX ) XXXX  XXXX  ( XXXX ) XXXX XXXX account 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 2025-01-28 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: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , FL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear Sir/Madam, I am writing to formally notify XXXX that I am a victim of the recent data breach involving your company. As a result of this breach, I request that all accounts associated with my personal information, which may have been compromised, be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681c-2 ( a ), individuals affected by data breaches are entitled to have fraudulent or compromised accounts blocked and removed from their credit reports to protect their financial identity. Given that my personal information has been exposed, I am requesting that all accounts associated with my name, Social Security number, and other identifying information be removed. 
Please find attached a copy of my government-issued ID, proof of address, and any additional documents required for verification. I request that you conduct a thorough investigation of my credit file and block or delete any accounts or items related to fraudulent or unauthorized activity resulting from the breach. 
I kindly ask that you confirm the actions taken on my behalf and provide a copy of the updated credit report once the necessary corrections have been made. Please contact me at XXXX or via email at XXXX if you require any additional information or documentation to process this request. 
Thank you for your immediate attention to this serious matter. I trust that you will act promptly to protect my identity and ensure that no further fraudulent activity is reported on my credit file. 
Sincerely, 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 2025-01-28 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/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 explanation
Consumer complaint received 2025-01-28 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:
For months I've been sending dispute letters to Experian regarding the inaccurate reporting of the account XXXX XXXX XXXX ( Account # XXXX ), also demand that they provide me documentation to verify the accuracy and proof that I owe {$310.00}, and they refuse to correct the inaccuracy, or delete this account oof my credit file.It 's still today reporting inaccurate on my credit file. 

According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy of the data they report. They are in validation, and therefore this account needs to be deleted permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX, Account name : Pennsylvania XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
I had my account open since XXXX. Ive been getting direct deposits from social security benefits since XX/XX/XXXX I believe until now XX/XX/XXXX my last check. My account was closed without me knowing. No letters sent or emails or any calls. I have called Citibank to fix the problem. I received no help from the phone or in person. I cant access my funds I have left on the account which is XXXX dollars. My next deposit is on XX/XX/XXXX. They said I have to wait for a letter because my account is blocked and being reviewed also they are closing. I need help accessing my funds before it close.

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 2025-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Subject : Complaint Regarding UDAAP Violations and Deceptive Lending Practices To Whom It May Concern, My wife and I moved from Arizona to Texas and secured a mortgage through LoanDepot. During the loan process, we were misled and subjected to practices that appear to violate the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) and potentially bribery laws. 

Our loan officer assured my wife, a XXXX and XXXX XXXX that she would qualify for a down payment assistance program. This turned out to be false. Instead, we unknowingly signed for a {$19000.00} second mortgage, which we were later informed was a XXXX  not a XXXX-specific grant program. Furthermore, based on the assurances of grant eligibility, we turned down a favorable 2.99 % APR loan offered by the builder preferred lender, which left us financially disadvantaged in the long term. 

Additionally, there were significant misrepresentations about the closing process : 1. We were told the closing would occur on XX/XX/XXXX, but it was delayed multiple times due to holiday scheduling issues, ultimately closing on XX/XX/XXXX. 
2. The lender gave repeated assurances and provided {$3500.00} via XXXX to cover hotel expenses, which raises concerns about bribery or undue influence. 
3. Due to these delays, my wife lost her job, including a {$10000.00} relocation bonus, and our family incurred {$13000.00} in additional expenses ( hotel stays, dining, storage, movers, and lost wages ). Totaling {$23000.00} of losses. 
4. The title company was also confused by the loan terms and mistakingly issued a {$19000.00} check at closing, which we asked to be applied to the supposed XXXXgrant second loan. This further illustrates the widespread confusion among parties meant to inform and protect us during this process. 

During closing, we learned from the title company -not the lender- that our loan terms had changed. Under duress and desperate to finalize the purchase, we signed the documents. It later became clear that no legitimate XXXX-specific assistance program existed, and we had been misled. 

We can provide extensive evidence to substantiate these claims, including : Communications from the loan officer ( emails, texts, and call logs ). 
Proof of the {$3500.00} XXXX payment and related correspondence. 
Documentation from the title company showing the loan terms. 
Financial records of additional expenses incurred due to delays. 
Records of the misleading down payment assistance program. 

These actions caused financial harm, emotional stress, and significant disruption to our family. We request an immediate investigation into LoanDepot practices and appropriate restitution for the damages caused by their misleading and deceptive behavior. 

Thank you for your attention to this matter. Please feel free to contact us if additional details or documentation is needed. 

Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TN

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have had an ongoing issue with XXXX XXXX long story short they sent me and the person that cosign for a repossession letter and then the next day they denied sending it, then they said that they sent it on accident yet the person I cosign for said that they did Repo the vehicle, and I had a tracker in the vehicle. It was tracked next to the auction yard, I found a police report, the bank refused to take the vehicle, it was released to the tow yard with the Banks permission, the tow yard got some type of a lien on the vehicle and they were able to get the title and the tow yard then turned around and sold the vehicle yet XXXX years XXXX XXXX  has been reporting on my credit and the person that cosign for that weve been behind on payments on this vehicle and that we owe them XXXX dollars and they say that theyre willing to settle the account for {$3200.00} yet they allowed this tow company to get the title for the vehicle and sell it and the tow company got full profit of the money. XXXX XXXX needs to remove this off of my CREDIT and the person I co-signed for XXXX XXXX XXXX XXXX. If XXXX XXXX wanted the money so bad for the vehicle, they should have demanded the money from the tow company instead of putting an accurate information on my credit report for the last couple years, if anything they should owe me money for plummeting my credit score for the last few years by an accurately reporting on my credit bureau, and I have also put in a few disputes on this account with supporting documentation, actually quite a few pieces of supporting documentation and it has remained on my credit because the bank is claiming that its verified. The credit bureau needs to be sued and this finance company needs to be sued along with they need to remove it off of my credit immediately Because again they sent me a repossession letter and then tried to switch up and say that they didnt repossess the car and when I tracked the vehicle, I made the police report because there was damage done to the vehicle and the bank refuse to want anything to do with the car and then they are allowed to tow company to get their own title on it and they allowed them to sell the vehicle so if they wanted the money so bad they should have not refuse the vehicle or they should have demanded that after the tow company sold the car that they give them money for it and XXXX XXXX chose not to do that. This should no longer be my problem and it should no longer be negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am providing a detailed account of the discrepancies I identified in my auto loan agreement, including dates, amounts, and actions I have taken to address the matter. 


Loan Details : Loan Date : XX/XX/XXXX Account Number : XXXX Original Amount Financed : {$27000.00} XXXX : 12.24 % Finance Charge ( Documented ) : {$12000.00} Total of Payments : {$39000.00} Monthly Payment ( Documented ) : {$510.00} ( over 74 months ) XXXX XXXX and Services : {$5700.00} ( including Theft Deterrent Device, GAP Insurance, and Ultimate Platinum Protection ) Events and Actions Taken : 1. Loan Origination : On XX/XX/XXXX, I signed an auto loan agreement for {$27000.00} with an APR of 12.24 %. The contract included optional goods and services totaling {$5700.00}, including theft deterrent protection ( {$1900.00} ), GAP insurance ( {$760.00} ), and service contracts ( {$3000.00} ). These were noted as NOT required to obtain financing but were still included in the final loan amount. 

2. Identified Discrepancies : Upon reviewing the loan agreement, I identified several inconsistencies, including : The documented finance charge of {$12000.00} does not align with recalculated values, suggesting a finance charge closer to {$24000.00}. 

The monthly payment of {$510.00} appears to be understated, as recalculations show it should be {$770.00} based on the disclosed terms. 

Lack of transparency regarding the inclusion of optional services in the total amount financed. 

XXXX. Actions Taken by Me : XXXX/XXXX/XXXX I sent a formal request to Capital One Auto Finance requesting clarification and a detailed breakdown of the finance charge, APR application, and loan calculations. Then again on XX/XX/XXXX by Certified Mail this time. 

XX/XX/XXXX : I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding potential violations of the Truth in Lending Act ( TILA ). 

XX/XX/XXXX I filed a complaint with the California Department of Financial Protection and Innovation ( DFPI ) to report potential violations of Californias stricter consumer protection laws. 


Summary of Concerns : The finance charge appears to have been miscalculated or misrepresented, as the documented amount does not align with recalculated figures. 

Optional goods and services, marked as NOT required, were included in the loan, increasing the total cost without adequate disclosure. 

The mandatory arbitration clause and the sellers right to cancel clause create additional risks for the borrower.

Company response to consumer: Closed with explanation