vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2025-01-31 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: IA

Complaint narrative:
I have sent this letter XX/XX/2024 to ask to remove Inquires that dont belong to me I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1. Late payment history is completely inaccurate across all 3 credit bureaus XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

2. Late payment history is completely inaccurate across all 3 credit bureaus XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 XXXX XXXX XXXX  Account Number : XXXX If you can not validate the accuracy of this report then please update as paid as agreed.

I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres.o.sk

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CT

Complaint narrative:
Upon reviewing my credit report, On my XXXX report, it states that I have a total of XXXX total accounts, but on my transunion credit report, it is reporting that i have XXXX total accounts on record. I disputed this and got no answer as to why there are such inaccuracies on my credit report. After researching on my own what credit accounts differ, I noticed XXXX  student loan is on my transunion report but not on my XXXX report. I would like this problem solved and the extra accounts removed from my credit profile with transunion.

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 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: IN

Complaint narrative:
I took out a {$300.00} loan with this company previously and simply paid the amount back with {$30.00} interest on my due date. A few months later I was offered a higher amount and I DECLINED and emailed them that the contract they sent me has daily interest without even accepting the loan. I advised them I do not want a loan and did not agree to any terms. I emailed again the following month after seeing that my bank statement had a charge from this company for {$430.00}. They said I requested a {$800.00} loan and agreed to repaid {$4000.00} back in those installments which is A LIE! this company fraudulently used my info from my previous loan to create a new one with daily interest that adds up to over {$3000.00} and they have my account info! I have placed a stop payment with my bank already as well.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Independent Dealers' Advantage, LLC
State: GA

Complaint narrative:
XXXX. My name is XXXX XXXX XXXX and not other names as shown on my credit reports. Please correct name on credit file at once. 
XXXX was not offered credit nor open an account with XXXX ( Bank ) on XXXX XXXX, please delete Inquiry from my credit profile immediately. 
XXXX was not offered credit by XXXX ( Bank ) on XX/XX/XXXX, please delete Inquiry from my Credit File immediately. 
XXXX. I did not open an Account nor obtain credit from XXXX XXXX ( Finance ) on XX/XX/XXXX. Please delete Inquiry from my credit report immediately. 
XXXX. I did not open an Account nor obtain credit with XXXX ( Finance ) on XX/XX/XXXX, please have Inquiry removed from my credit file immediately. 
XXXX. I did not open an Account nor obtain credit with XXXX XXXX ( Finance ) on XX/XX/XXXX, please have inquiry removed from my credit file immediately. 
XXXX I did not open an Account nor obtain credit with XXXX XXXX XXXX ( Auto ) on XX/XX/XXXX, please have inquiry removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-31 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: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds in 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. title 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding against similar violations ( proceeding file No. XXXX ). I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation and validity of accounts. 
These are the accounts that have marked with major inaccuracies so far : XXXX Account beginning XXXX XXXX XXXX XXXXXXXX Account ending XXXX I also request that all future communication be done via e-mail ONLY. Do not mail anything to any address on file as there are major inaccuracies with those reports as well. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: AL

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 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 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: KS

Complaint narrative:
I have paid off XXXX loans from this company. The first set of paperwork included XXXX protection I took out a third loan paid most of the loan off and paid online an extra payment and they refused to credit that payment to the account. They also told me that anything I paid on the account would not be applied to the principle. They took my car violating a breach of Peace law. Even after getting fined they continue to deceive and cheat their customers. As I work with lawyers who specialize in this I wonder how long this company will be permitted to keep doing this to people. Taking money out of my account and then trying to take more out of the account causing over draft fees. Taking a payment and not applying the payment to the account and saying that there is nothing they can do is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I just recently looked at my credit report XXXX of XXXX. I saw some hard inquiries that did not have permissible purpose. 


XXXX. XXXX & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX  & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. XXXX XXXX & XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2025-01-31 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: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple attempts to resolve the fraudulent and inaccurate information on my consumer report have been unsuccessful, leaving me in an increasingly distressing situation. As a victim of identity theft, I never authorized these entries to be associated with my name, yet their continued presence has caused profound disruption to my life, generating significant stress and XXXX  while undermining my financial stability.

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 2025-01-31 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: AZ

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
These company calls multiple times a day and night from various local numbers over and over but when you pick up there is nobody there. Apparently by looking them up on google they are a debt collection company. I dont owe a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service an unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
Planet Home Lending ( PHL ) assumed my VA loan around XXXX of XXXX and I set up automatic bank payments to send monthly payments ( amount due {$4400.00}, amount paid {$4500.00}, balance towards principal ). This went without any issue until XX/XX/XXXX, when the escrow amount increased by about {$180.00}, making the total amount due {$4600.00}. 

However, due to lack of proper notification from PHL, my automatic monthly payment remained {$4500.00} and then the following happened... 
A late fee of {$120.00} was applied to the XXXX account because the amount was not paid in full, and because of their " partial payment '' system - XXXX wasn't marked paid in full until they received the XXXX payment, and XXXX wasn't marked paid in full until they received the XXXX payment. Fortunately, I just happened to check my account around this time and then discovered all these late fees and contacted PHL to understand what was happening...

Apparently, if you sign up for PHL 's paperless option - that's all you get. There is zero paper notification if there a change to the regular monthly payment. It's all or nothing. The problem with that system is that e-mail can still get flagged as spam or doesn't make it to the inbox at all. All my experience with any other lender ( especially whoever is servicing my VA Loan ) has been to get notified via XXXX XXXX when a payment due amount has changed ( such as the all-important escrow amount increase due to property tax increase document ). Why this isn't an option or even standard practice is very concerning- especially when it's ( still ) not properly documented anywhere on their site. 

So while their system did automatically credit me the initial late fee, their customer service was steadfast and unwilling to make any further adjustments to the account. I immediately made a {$250.00} payment plus an additional payment of {$4700.00}. Apparently, this was not enough to cover those " late '' fees and now with my regular required payment of {$4600.00}, of which I send {$4600.00} - I still have {$68.00} in late fees to which the balance is being applied. 

I suspect PHL has done and is doing this to many other veterans on a larger scale. They have a system that encourages people to sign up for paperless ( without letting folks know that there is no subsequent mechanism to notify the borrower if there are any changes to the account ), and you have a result with fees and charges that only go to PHL 's bottom line. 

This is my worst experience with any lender over the past 25 years and PHL should not be allowed to continue their practice of servicing VA Loans.

Company response to consumer: Closed with explanation