vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: AL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2.00} XXXX - XXXX - XX/XX/XXXX - {$9900.00} XXXX XXXX XXXX - XX/XX/XXXX - {$4300.00} XXXX  - XXXX - XX/XX/XXXX - {$1900.00} XXXX  - XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$330.00} XXXX  - XXXX - XX/XX/XXXX - {$730.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$410.00} XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$740.00} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$1500.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2025-04-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: NV

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX XXXX and XXXX alleging violations of the Telemarketing Sales Rule ( TSR ) and the Consumer Financial Protection Act, resulting in a {$2.00} XXXX settlement and a ban from telemarketing credit repair services for 10 years. 

i paid lexington law and never received any settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had ordered a new credit card from Chase. Specifically because it was going to expire. I waited around a week to receive the replacement card however to no avail. Then I see 2 mysterious charges at late hours of the day from XXXX XXXX for {$66.00} and from XXXX for {$100.00}. 

I did NOT make these purchases as I never received the card. The next morning as soon as I saw these unrecognized charges, I filed a dispute with Chase AND followed up by freezing my credit reports and also calling chase immediately about this incident. They sent over a new card. 

And today, ( 2 months after the incident ) I receive an email from Chase stating that I am responsible for these charges. 

I feel very unfairly treated as a loyal Chase customer and its a slap in the face that they think I would submit a false claim for charges of under {$200.00}. I dont care about the money, its the principle. GIVE MY MONEY BACK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App Fraud- On XXXX XXXX I had {$150.00} stolen from me on Cash App under the tag name Tg XXXX XXXX I reported it to Cash App but never received confirmation of an open investigation. On XXXX XXXX I sent my daughter {$50.00} on Cash App. I received a pending confirmation that it couldn't be transferred until my identity had been confirmed. The next morning when the approval text came into me it didn't come in with Cash App on the text it was sent by the tag name XXXX XXXX. That night while my identity was in the process of being approved my daughters bank account was hit for {$95.00} dollars in small increments. 
She called Cash App and they were of no help. She called her bank to dispute the charges. I called Cash App to tell them someone was operating under their company name with the tag name XXXX XXXX. They seemed disinterested. I asked them how they could allow someone to send me a text using their company name and they just told me to not open the text, to delete it. I said so you aren't concerned that someone is running your company name with a fraud scheme. They said they couldn't do anything about that. I have removed all accounts with Cash App and won't ever use them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: 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 2025-04-01 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX XXXX XXXX and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. XXXX has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-04-01 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX 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 2025-04-01 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: NJ

Complaint narrative:
As I was going through my credit profile there was some hard inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: IL

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 2025-04-01 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: IL

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 2025-04-01 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of Identity theft. My Identification card, Social Security card and Bank cards were stolen on XX/XX/year> from my wallet that I had lost. I reported to get my Identification card from the DMV and wen to the Social Security administration Office to get a replacement Social security card issued out to my address. I had went to prison for a DUI on XX/XX/year> while I was incarcerated a Bank of America check came in my mailbox name in the amount of {$2900.00}. My apartment manager had not fixed our apartment mailboxes at this time.

When I had got released from prison and went home on XX/XX/year> I checked my mailbox nothing was it I had to get another replacement identification card and social security card because I did not receive those documents. When I had a talk brother he had told me that he had got a check from Bank of America from his XXXX account that closed. I had called Bank of America and notified them if I had got a check from them and they advised me that I did and it already cashed. I am herby stating that this transaction is unauthorized because I did not receive that check due to me being incarcerated at that time as well as my apartment manager had not fixed our mailboxes at the time I was incarcerated. I am requesting a full investigation of this manner and and fix any error that occurred have it corrected from Bank of America.

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 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I dont have dates but it was late XXXX, I put a check into Bank of America atm in the city of XXXX tx XXXX the account was my partners and after a few days they closed her account and didnt say anything about the check I deposited, they verified the check and never gave up the funds or tried getting in contact with me XXXX XXXX XXXX my girlfriend XXXX XXXX XXXX Bank of America doesnt want to give any information towards it, they say they will return the check but they already called the company to verify the check to be cashed, the company that sent me the check say they cant help me that I would need to deal with Bank of America and I cant even reach them cause I dont have an account or past account

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 2025-04-01 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: WI

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their origins. In accordance with USC 1681g, please remove them within 15 days. Enclosed are documents for your review. Additionally, differing account information is being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AMERISAVE MORTGAGE CORPORATION
State: AR

Complaint narrative:
Dear CFPB, I am filing a formal complaint against AmeriSave Mortgage Corporation regarding multiple violations of mortgage lending laws, lack of full disclosure, and possible fraud. 

XXXX. Unexplained Loan Balance Increase ( {$5000.00} ) My original mortgage loan amount was {$190000.00}. 

After XXXX months of missed payments, AmeriSave reported my loan balance as {$200000.00}. 

I never signed any modification agreement or approved a balance increase. 

The lender has failed to explain where this {$5000.00} came from. 

XXXX. Missing Signature on FHA Form 92900-A AmeriSave failed to obtain my signature on a required FHA document at closing. 

They are now asking me to sign a new version of the document post-closing. 

This raises concerns about possible document alteration and mortgage fraud. 

XXXX. Lack of Full Disclosure About Loan Funding I was led to believe that AmeriSave was directly lending me the money for my mortgage.

At closing, a title company representative slid me a document stating that the loan was already sold.

AmeriSave has since stated that they are the loan originator, but my loan is being " serviced '' by another company ( DMA ). 

I never received a clear explanation of where the actual loan funds came from. 

XXXX. Verbal Loan Modification Agreement Without Proper Disclosure Due to financial hardship, I requested a loan modification with a $ XXXX payment. 

AmeriSave called me and verbally approved a $ XXXX payment without providing a written breakdown of the modification terms. 

No signed loan modification agreement exists, yet my loan balance appears to have been changed. 

Requested Actions : Investigate AmeriSave Mortgage Corporation for potential mortgage fraud, RESPA violations, and illegal loan modifications.

Require AmeriSave to provide full documentation of : Loan funding details. 

How the {$5000.00} was added to my balance. 

A copy of my original FHA Form XXXX from closing. 

Determine whether AmeriSave failed in their due diligence by not properly disclosing the loans origin and transfer. 

This situation has caused me extreme stress mentally/financially/physiclly, and I need immediate intervention to ensure my mortgage is legally sound and properly documented. If not then proper steps need to be taken to make sure that My house STAYS my house as my wife, XXXX children ( ages XXXX and XXXX ), and I have been living here for years and it is OUR home.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NJ

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

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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 XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights.I looked at my EXPERIAN credit report on XX/XX/year> and noticed somethings are incomplete and not accurate, and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall 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 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 general, 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
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 2025-04-01 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:
Equifax did not notify me that my information had been breach back here in XXXX. My information was compromised and no one from Equifax contacted me to let me know that my information had been breached. For approximately XXXX years, I could not get a credit score from them for 2 years. My score was at XXXX, when I called them, they asked me to identify myself, and I did. Equifax began to tell me they could not provide me any information on my credit history or scores. 
When I actually found out that my information was breached was about 7 months ago, and I did not know that I could file a dispute with the CFPB. So I am filing it now.

Company response to consumer: Closed with explanation