vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I paid off my car in XX/XX/XXXX and received its title. I also requested a copy of the purchase order, which was emailed to me. After reviewing the printed contract, I sent Foursight Capital LLC a letter revoking the security interest, as well as all insurance, maintenance, service, or other contracts they finance for meincluding any proceeds from these contracts, such as refunds of premiums or charges. 

Foursight has failed to honor the amended contract by disregarding the changes I made. This failure constitutes a breach of contract and violates both the Uniform Commercial Code and the Truth in Lending Act of 1933 and 1934. Additionally, I have not received my security interest, its proceeds, or the necessary documentation to conduct business in good faith, further demonstrating a breach of trust that could be perceived as securities fraud. Moreover, sharing my personal information with any third party was not authorized on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I marked as inaccurate : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OR

Complaint narrative:
On XX/XX/year> I received an email stating that my account was closed due to risk, without any further information. I called the company multiple times without resolution. My tax refunds, in excess of $ XXXX ( not disclosing actual amount here ) are expected to be directly deposited within 7 days and now I wont have access to them, have to wait for a check, hope theyre transferred to a connected bank account, or they'll be returned to the IRS . I havent used this account for anything yet and solely opened it for my tax returns. There has been zero risk. If I dont get my returns in a timely manner, this will negatively impact me financially and cause undue hardship and stress. Credit Karma is operating in very unprofessional standards, apparently with several other consumers as well by unexpectedly closing accounts. I hope this hits the company in court. 
I will not pursue further action if my funds are received as expected, without delay. Reinstate my account so that I can ensure I receive my funds. Then I will close it myself. Credit Karma needs to discontinue all save & spend accounts in its entirety due to unprofessional management. XXXX XXXX will also be receiving official complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
These are not my accounts, I need these removed. If the bureau doesn't comply with this request I want to be included in the lawsuit against them. This is unacceptable.

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 2025-02-10 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 explanation
Consumer complaint received 2025-02-10 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to make a withdrawal on XX/XX/year> but the ATM machine did not give me any money and my account was charged {$550.00}. 

( See Attachement XXXX  for more details )

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: WA

Complaint narrative:
I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I get daily phone calls from Portfolio Recovery, even on the weekends. I've called them back and notified them that I have no debt, as I paid all of my credit cards through the XXXX XXXX XXXX. This process has taken many years, and my credit report and score are indicators of my endeavors. In the phone call I made this clear and requested to be taken off the list. I was promised they would comply with this request. However, instead of doing so, but instead, they have increased the calls. 

I don't have the dates this began, but it is daily and on the weekends. I block the number and they use a new number for each call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a personal checking, business checking, and credit card accounts with Truist bank. On XX/XX/XXXX, I discovered that my account had been locked when I tried to sign in online. I called and was informed that there was suspected fraud on my account and that they were " investigating '' .Apprently, a XXXX XXXX that I had deposited triggered this. This loan was legitimate in the amount of {$45000.00}. I have the loan documents proving it. Today I was told that my funds were in recovery and is being held indefinitely. This is outrageous behavior for a bank. I want my accounts restored and be able to access my funds immediately or I will pursue a lawsuit.

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 2025-02-10 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$600.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$870.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - 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 non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I REQUESTED A FORBEARANCE PLAN DUE TO A NATURAL DISASTER IN XXXX AND THE DAMAGE IT CREATED ON MY HOME. I HAVE TO PAY OVER XXXX TO REPAIR THE HOME. ONCE GRANTED THE FORBEARANCE IN XXXX I STILL MADE PAYMENTS OF WHAT I COULF AFFORD. XXXX CAME AND THE CONSTRUCTION WORK STILL ISN'T COMPLETED AND THEY DISCOVERED MORE ISSUES. I REQUESTED AN EXTENSION IN XXXX BEFORE THE FORBEARANCE ENDED XX/XX/XXXX. I WAS TOLD TO UPLOAD THE BID FOR THE WORK BEING DONE AND I DID. DURING THE FORBEARANCE THE COMPANY CALLED ME EVERY OTHER DAY AND PUT A NOTICE ON MY DOOR. 


WHEN I CALLED AND ASKED ABOUT THE EXTENSION BEFORE IT WAS OVER I GOT NO ANSWER BEFORE THE FORBEARANCE PLAN WAS OVER. AFTER THE PLAN ENDED, THEY STARTED TO CALL ME EVERY DAY STILL NOT RESPONDING TO MESSAGING ON THE SITE. WHEN I CALLED TODAY, THEY ARE CLAIMING THEY NOW NEED A UPDATED BID SHOWING WHAT WORK STILL NEEDS TO COMPLETED. NEVER SAYING THAT BEFORE. AND SHOWING IM PAST DUE AS OF TODAY ON THE LOAN. 

THIS COMPANY ALSO DID NOT INCLUDE MY XXXX EXEMPTION TO MY ACCOUNT AND PAID THE INCORRECT AMOUNT OF TAXES AND CHARGED ME THE DIFFERENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
Request for Assistance in Removing Unauthorized Hard Inquiries from My Credit Report Dear CFPB, I am writing to request your assistance in the removal of certain unauthorized hard inquiries from my TransUnion credit report. These inquiries were made without a permissible purpose as outlined in 15 U.S. Code 1681b and 15 U.S. Code 1681n of the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I found several hard inquiries that were made without my consent or for any legitimate purpose that qualifies under the FCRA. As per 15 U.S.C. 1681b, a consumer report may only be accessed under specific circumstances, such as for credit applications, employment screening, or other authorized purposes. The inquiries listed on my credit report fail to meet the permissible purpose requirements of the law and, therefore, are in violation of the FCRA. 

The inquiries in question are as follows : -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XX/XX/XXXX In accordance with 15 U.S. Code 1681n, I am requesting the removal of these unauthorized inquiries from my credit report due to their violation of the law. 

I kindly ask that the CFPB investigate this matter and ensure the removal of these inquiries from my credit file with TransUnion. Please confirm the actions taken and notify me once the necessary steps have been completed. I understand that the CFPB has the authority to address violations of the FCRA and request your intervention to resolve this issue. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I had filed a dispute with XXXX due to a large number of inquiries that took place in a very short amount of time a few months ago. They removed those inquiries and we put a freeze on my credit profile. Now, a few months later, I am having debt collection companies place deregatory collections on my credit profile. There are 4 in total. Two from Columbia Debt Recovery for a total of {$190.00} from XXXX XXXX ( {$100.00} ) and XXXX XXXX XXXX ( {$91.00} ) and two from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  ( {$320.00} ) and XXXX XXXX XXXX XXXX XXXX ( {$2900.00} ). These are all fraudulent. I own my home and have been in the same place for years. I filed a dispute with XXXX stating that these are fraudulent and they asked me to submit a polic report or to file a report with the FTC. When I tried to file the report with the FTC, it directed me to the CFPB and I am filing the report here as instructed.

Company response to consumer: Closed with explanation