vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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:
In 2021, I purchased a vehicle financed through XXXXXXXX XXXX XXXX XXXX  ( XXXX ). When the company transferred my account to XXXX XXXX XXXX, I was incorrectly informed that I was behind on payments, even though I had made all required payments on time. Despite providing proof of payment, my vehicle was repossessed without justification. I was then told I needed to pay {$2000.00} to recover my car, which was eventually sold without my consent or proper resolution of the dispute. 

Additionally, I believe I may have been impacted by the issues highlighted in the CFPB lawsuit against XXXX, including being double-charged for collateral-protection insurance and having payments misapplied to late fees or insurance instead of accrued interest. These practices inflated my balance and contributed to my vehicle being wrongfully repossessed. 

This incident has caused severe harm to my financial stability and credit. I am now unable to purchase a vehicle, secure housing, or obtain stable employment. I am requesting the removal of negative credit reporting related to this matter and a full investigation into the wrongful repossession and potential overcharges or misapplication of payments.

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 2025-01-22 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: GA

Complaint narrative:
In 2021, I purchased a vehicle financed through XXXX XXXX XXXX XXXX  ( XXXX ). When the company transferred my account to XXXX XXXX XXXX, I was incorrectly informed that I was behind on payments, even though I had made all required payments on time. Despite providing proof of payment, my vehicle was repossessed without justification. I was then told I needed to pay {$2000.00} to recover my car, which was eventually sold without my consent or proper resolution of the dispute. 

Additionally, I believe I may have been impacted by the issues highlighted in the CFPB lawsuit against XXXX, including being double-charged for collateral-protection insurance and having payments misapplied to late fees or insurance instead of accrued interest. These practices inflated my balance and contributed to my vehicle being wrongfully repossessed. 

This incident has caused severe harm to my financial stability and credit. I am now unable to purchase a vehicle, secure housing, or obtain stable employment. I am requesting the removal of negative credit reporting related to this matter and a full investigation into the wrongful repossession and potential overcharges or misapplication of payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
In 2021, I purchased a vehicle financed through XXXX XXXX XXXX XXXX  ( XXXX ). When the company transferred my account to XXXX XXXX XXXX, I was incorrectly informed that I was behind on payments, even though I had made all required payments on time. Despite providing proof of payment, my vehicle was repossessed without justification. I was then told I needed to pay {$2000.00} to recover my car, which was eventually sold without my consent or proper resolution of the dispute. 

Additionally, I believe I may have been impacted by the issues highlighted in the CFPB lawsuit against XXXX, including being double-charged for collateral-protection insurance and having payments misapplied to late fees or insurance instead of accrued interest. These practices inflated my balance and contributed to my vehicle being wrongfully repossessed. 

This incident has caused severe harm to my financial stability and credit. I am now unable to purchase a vehicle, secure housing, or obtain stable employment. I am requesting the removal of negative credit reporting related to this matter and a full investigation into the wrongful repossession and potential overcharges or misapplication of payments.

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 2025-01-22 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-22 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:
Please check the information concerning the equifax data breach below in attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose :

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 2025-01-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Tuesday XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, On XX/XX/XXXX I disputed an account reported by XXXX XXXX and XXXX XXXX in the file you maintain under my Social Security number. 


I was informed on XX/XX/XXXX that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section611 ( a ) ( 5 ) ( b ) ( II ), you are required to notify me of the reinsertion in writing within five business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer IF any information that has been deleted from a consumers file pursuant to subparagraph ( a ) is reinserted in the file the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means, available to the agency. 

I receive no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX transactions were made that were not authorized and I could not get my money back. 
XX/XX/XXXX through XX/XX/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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XX/XX/XXXX Credit Acceptance XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX Request for Goodwill Adjustment Late Payment Removal Dear Credit Acceptance, I am writing to express my gratitude for the opportunity to have been a customer of Credit Acceptance. I am pleased to confirm that my account, # XXXX was paid in full as of XX/XX/XXXX However, upon reviewing my credit report, I noticed late payment marks associated with this account. I take full responsibility for those missed payments, which occurred due to unexpected financial difficulties. I regret those circumstances and have since taken significant steps to ensure my financial health and timely payments moving forward. 

Given my positive history with your company, aside from this issue, and the fact that the account has been settled in full, I kindly request a goodwill adjustment to remove the late payment marks from my credit report. This gesture would help me immensely as I work toward improving my credit profile and financial goals. 

I understand that you are not obligated to accommodate this request, but I sincerely hope you will consider it as a goodwill gesture. I greatly value the relationship I had with Credit Acceptance and hope to continue recommending your services to others. 

Thank you for taking the time to consider my request. If there is any additional information you require, please do not hesitate to contact me at XXXX ] or XXXX 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 explanation
Consumer complaint received 2025-01-22 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 obtained a copy checking my credit report after recieving letters in the mail that my person information has been confiscated during a breach and a cyber security attack the following accounts listed are not mine and are unauthorized Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX  XXXX XXXX Inquiries : 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 2025-01-22 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: TX

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 2025-01-22 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: OH

Complaint narrative:
I am writing this to formally express my concerns regarding Zelles 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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Fraudulent charges were made on my credit card that Bank of America refuses to credit me back for. The charges are 100 % fraud and Bank of America has XXXX proof that I ever made the charges and refuses to provide any proof ( which there isn't ) that I made the charges. I identified nearly XXXX charges on my card that are fraudulent and Bank of America has fraudulently passed these charges on to me with absolutely XXXX proof I made the charges. The perpetrator obtained either a copy of my credit card or most likely obtained my credit card number and is using a smart phone payment ap ( XXXX XXXX etc. ) as I still retain the original cards. I am able to discuss every one of the charges and why they are fraudulent but Bank of America refuses to provide any proof that I made the charges and has now ignored and rejected me twice as I try to get my credit card credited for these bogus charges. I have had a B of A credit card for over 20 years, always paid my bill on time and have a credit rating over XXXX. Billing me for charges I did not make is fraudulent on the part of B of A and reflective of very poor internal controls and oversight over their credit card process and procedures. I don't know how they can continue to be allowed to offer credit card services when their internal processes and follow up is so poor as to put consumers at financial risk- totally unacceptable. I will not drop this complaint until 100 % of the fraudulent charges are refunded to me as B of A continues to stonewall me and charge me for items that I never purchased which is illegal and if not resolved will result in a criminal and civil complaint- This is not a threat just reality as I have no other recourse other than to defend myself against fraudulent/illegal actions and conduct on behalf of the bank.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One was late depositing my direct deposit during their outage last week. Prior to my direct deposit I had {$19.00} in my account and when the fixed the issue and my direct deposit was deposited in my account it was only the direct deposit in my account. My {$19.00} was gone. I informed them of the issue and they said there's no record of any transactions of {$19.00} and I said there wouldn't be because I didn't make a {$19.00} transaction and they told me they don't know what to do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> my business partner and myself inquired about getting a business line of credit with First Commonwealth bank after being told the only info needed is business financial statements. So we had a meeting with the bank and presented these business financial statements and they told us we can get the process started if we open an account. So we opened an account and they then told us they will start the process for the XXXX never once was anything mentioned about doing a hard credit pull on my personal credit. I then noticed in XXXX there was a hard credit inquiry on my personal credit from first commonwealth bank. I asked them to remove this unauthorized hard credit inquiry and they will not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX - XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX  XXXX XXXX # XXXX {$2700.00} XXXX  XXXX # XXXX {$2400.00} XXXX XXXX XXXX XXXX # XXXX {$600.00} XXXX XXXX XXXX # XXXX {$0.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$14000.00} XXXX XXXX XXXX XXXX {$0.00}

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 2025-01-22 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: Sezzle Inc.
State: TX

Complaint narrative:
Cease and Desist Request Regarding Violations of 15 USC 1692c ( c ) : Sezzle Sezzle reported an unauthorized account with a charged-off status and a {$650.00} balance to XXXX. This account was not opened by me and is fraudulent. Despite my disputes, Sezzle has failed to provide evidence validating the account and continues to furnish this inaccurate information to XXXX, where it remains on my credit report. This false reporting is severely damaging to my creditworthiness. 

Additionally, Sezzle has not issued the IRS-required Form 1099-C for the charged-off debt, violating federal tax laws. Moreover, I have experienced unauthorized debt collection attempts associated with this fraudulent account, violating 15 USC 1692c ( c ) under the Fair Debt Collection Practices Act ( FDCPA ). 


I demand an immediate cease and desist of all debt collection attempts regarding this account. Any further collection activities will be considered a direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief