vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: WA

Complaint narrative:
I have made 5 consecutive payments of XXXX and I still owe over {$550.00}. It turns out that only {$5.00} goes toward principal for each of the first 8 payments. So they profit nearly {$500.00} before principal begins to actually be paid off. I am astonished how crooked this is. I was not aware that was agreeing to such predatory terms To make matters worse they are refusing to stop a scheduled payment because my intent is to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CHARLES SCHWAB CORPORATION, THE
State: AZ

Complaint narrative:
Two checks were cashed in the amount of {$25000.00} and {$18000.00} on the same day by the same person. I explained to the bank & fraud investigation that the checks were signed by my wife who has XXXX XXXX and while I was in the hospital and sent to, as it turned out, to be a scammer. Being that these checks had a " Pay To '' an individual, not a business, and did not have an endorsement on the back and were cashed on the same day, Charles Schwab Bank should have challenged these checks and contacted me for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-03-27 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: Kikoff Inc.
State: GA

Complaint narrative:
I have contacted these companies telling them that the information that they are reporting on my credit report is inaccurate and its really hurting my financial situation and its taking my credit score down over XXXX points on all 3 bureaus and this is really effecting me. Ive lost my job and home behind this issue and Im forced to live In a trailer because I cant get financing on a home. These companies are reporting accounts on my credit report thats connected to a different address than my actual address. I have proven my address and uploaded proof of my address below. Ive never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ive disputed this with the credit bureaus and nothing has been done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: Self Financial Inc.
State: GA

Complaint narrative:
I have contacted these companies telling them that the information that they are reporting on my credit report is inaccurate and its really hurting my financial situation and its taking my credit score down over XXXX points on all 3 bureaus and this is really effecting me. Ive lost my job and home behind this issue and Im forced to live In a trailer because I cant get financing on a home. These companies are reporting accounts on my credit report thats connected to a different address than my actual address. I have proven my address and uploaded proof of my address below. Ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX Ive disputed this with the credit bureaus and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-27 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I asked for incorrect information to be removed from my credit report. I also contacted CAPITAL ONE directly. 
XX/XX/scrub>XXXX I used an alternate email because I was unable to access my primary which is where this complaint originated. XXXX XXXX XXXXXXXX with the CFPB ( # XXXX ). 
I received correspondence from CAPITAL ONE on XX/XX/scrub>XXXX saying that they attempted to contact me via telephone. I received no calls from this company or and of it representatives, as of XXXX I called to confirm that this complaint IS NOT FRAUDULENT. 
In reference to ( case : # XXXX ) with CAPITAL ONE at ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-03-27 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-27 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: Harris & Harris, Ltd.
State: LA

Complaint narrative:
These companies such as XXXX  XXXX XXXX, Harris and Harris, Also XXXX XXXX thats one my credit report is reporting fraudulent inaccurate information to my credit bureaus such as XXXX XXXX, XXXXXXXX XXXX XXXX I have requested that they provide me with a purchase agreement or letter stating its actually my accounts so I may review to see if it actually mine or not. They are violating my laws such as 15 usc 6802, 15 usc 1681b, and 18 usc 1028A. I ask that this be investigated immediately and took of my credit report and also I would like a letter showing that they are being closed and deleted off of all credit bureaus please and thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
These companies such as XXXX XXXX XXXX XXXX XXXX XXXX, Also capital one thats one my credit report is reporting fraudulent inaccurate information to my credit bureaus such as XXXX XXXX, XXXXXXXX XXXX XXXX I have requested that they provide me with a purchase agreement or letter stating its actually my accounts so I may review to see if it actually mine or not. They are violating my laws such as 15 usc 6802, 15 usc 1681b, and 18 usc 1028A. I ask that this be investigated immediately and took of my credit report and also I would like a letter showing that they are being closed and deleted off of all credit bureaus please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 ) 281 SW 715.719. 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 2025-03-27 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 ) 281 SW 715.719. 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 2025-03-27 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against United Wholesale Mortgage ( UWM ) regarding an incorrect late payment reporting on my credit account due to their error in processing my mailed payments. This issue has unfairly impacted my credit report despite my consistent history of on-time payments. 

Payment Issue and Timeline : On XX/XX/XXXX, I mailed two cashiers checks to cover both my XX/XX/XXXX and XX/XX/XXXX mortgage payments. 

UWM processed only one check on XX/XX/XXXX, while the second check, intended for my XXXX payment, was lost and never applied. 

In XX/XX/XXXX, I mailed another cashiers check for my XXXX payment. 

The last check I mailed, intended for my XXXX payment, was applied on XX/XX/XXXX. 

It is concerning that despite mailing both payments together, UWM failed to process one of them, leading to an unjust late payment report on my account. This error was caused by their internal processing issues, not by any failure on my part. 

Difficulty in Making Payments : Additionally, UWMs online portal and phone payment system have not been functional for me, forcing me to send cashiers checks via mail. This limitation makes it difficult for me to ensure timely payments, creating an unfair disadvantage. 

Requested Resolution : Immediate removal of the late payment reporting from my credit report, as this issue was due to UWMs processing error. 

Correction of my credit report to accurately reflect my history as a responsible and timely payer. 

Investigation into UWMs payment processing failures to prevent similar issues for other customers. 

I request that the CFPB intervene to ensure that UWM adheres to fair credit reporting practices and resolves this matter promptly. Please confirm the steps that will be taken to address this issue and provide written confirmation once my credit report has been corrected. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
I recently noticed certain inaccuracies on my Equifax credit report which includes an unauthorized hard inquiry with the name XXXXXXXX XXXX that got reported on XXXX. It looks like someone is trying to apply for credit products with other financial institutions using my SSN and other details. I would like to report identity theft and would request this hard inquiry - TRUIST BANK reported on XXXX  to be removed from my equifax credit report as it is fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Concern Regarding Threat of Repossession and Violation of Consumer Protection Laws Dear Sir/Madam, I am writing to formally address the threat of repossession regarding my vehicle, XXXX XXXX XXXX XXXX as referenced in recent communications from your company. I am deeply concerned that your actions may be violating several provisions of federal law, specifically those outlined under 15 USC 1692f and 15 USC 6802. I would like to bring these matters to your attention and seek resolution.

1. Violation of 15 USC 1692f ( Fair Debt Collection Practices Act ) Under 15 USC 1692f, it is unlawful for any debt collector to engage in conduct that is unfair or unconscionable when collecting or attempting to collect a debt. Specifically, subsection ( 6 ) prohibits the threat to take actions that can not legally be taken, such as the unlawful repossession of a vehicle. 
Given the circumstances, I believe that the threat of repossession in this case XXXX not be warranted, as I have made good faith efforts to address my financial obligations. If your company continues to threaten repossession without a valid legal basis, it XXXX be in violation of the provisions of the Fair Debt Collection Practices Act. 

2. Violation of 15 USC 6802 ( Gramm-Leach-Bliley Act ) I also wish to raise concerns under 15 USC 6802, which pertains to the protection of personal information. As you are aware, any actions involving the collection of debts and repossession of vehicles must be conducted in a manner that protects my personal and financial information. If you have disclosed my personal data to third parties or taken actions that could jeopardize my privacy, this may constitute a violation of my rights under the Gramm-Leach-Bliley Act. Request for Clarification and Immediate Cease of Repossession Threat I respectfully request that you provide detailed clarification regarding the basis for the threat of repossession and any actions you have taken to ensure compliance with the above-mentioned federal laws. Furthermore, I ask that you cease any further threats of repossession until all legal requirements and consumer protections are fully met. Please provide me with a written response within 15 business days to avoid further escalation of this matter. Should this situation not be resolved amicably, I will have no choice but to explore all legal remedies available to me, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-03-27 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: Experian Information Solutions 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 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 2025-03-27 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 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. PLEASE BLOCK AND REMOVE

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 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Wells Fargo, I am writing to formally complain about the incorrect categorization of my claim # XXXX. The claim should be filed under credit not received/item not received, and I respectfully request that you rectify this error. 
Regarding the transaction in question, it was canceled, and the merchant agreed to process a refund. However, I have not received the refund credit to date. The merchant is no longer cooperating, which is the reason for my dispute. 
I kindly ask that you review and correct the claim category to accurately reflect the nature of my dispute. This adjustment is crucial for the proper handling and resolution of my case. 
For your reference, my account details are as follows : Account Number : XXXX Email Address : XXXX I appreciate your prompt attention to this matter and look forward to a swift resolution. Please update me on any progress made regarding the correction of my claim category. 
Thank you for your time and assistance in resolving this issue. 
Sincerely, 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