vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CL Holdings LLC
State: GA

Complaint narrative:
My late payment was due to badcock closing for good! They sent emails out of how to pay bill when you use the link its expired doesnt work. I went to the new furniture store for the information to make payments so for a few months I wasnt able to get anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
It was a loan taken out in my name that does not be long to me .... i received a letter from Mandarich Law with reference number XXXX that says i owe XXXX .... i did not take the loan out... there number is XXXX XXXX XXXX ... .. so this my attempt to dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
There were 2 credit cards and 6 inquiries on my report i didn't initiate. " XXXX XXXX XXXX '' credit card opened on XX/XX/XXXX with a {$500.00} balance. XXXX XXXX XXXX XXXX XXXX XXXX credit card opened on XX/XX/XXXX with {$500.00} original balance. Now there are 6 total inquiries. " XXXX '' inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX '' inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX' inquired on XX/XX/XXXX. There was also an address on my report that is included on my identity theft report. The address is " XXXX XXXX XXXX XXXX # XXXX, XXXX, FL 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 2025-02-05 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: FL

Complaint narrative:
There were 2 credit cards and 6 inquiries on my report i didn't initiate. " XXXX XXXX XXXX '' credit card opened on XX/XX/XXXX with a {$500.00} balance. XXXX XXXX XXXX XXXX XXXX XXXX credit card opened on XX/XX/XXXX with {$500.00} original balance. Now there are 6 total inquiries. " XXXX '' inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX '' inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX' inquired on XX/XX/XXXX. There was also an address on my report that is included on my identity theft report. The address is " XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: MD

Complaint narrative:
I filed against them for inaccurate reporting and a several XXXX XXXX accounts that were NOT mine. They have proven they are posting inaccurate information ( see attached ) with balances reporting in all old accounts that were discharged in a XX/XX/XXXX Bankruptcy. 

Also they only removed ONE XX/XX/XXXXXXXX account instead of all like XXXX has- There is a XXXX account not mine they have on my credit claiming that its been verified with NO proof, documents nor how they found this to be verified. See attached .They have an address XXXX XXXXXX/XX/XXXX XXXX MD XXXX I requested to have moved its not my address. They continue to report and not fix the issues and inaccurate information.

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Let me start by saying, it is truly unbelievable that I am even having to do this after spending 4 hours talking with various managers in Citi to resolve what should be a super quick fix. I have been a Citi customer for close to 40 years, and a XXXX Citi XXXX holder since XXXX. I have had my account set to pay balance in full, which I did for every year up until XXXX. I have a wife and XXXX littleXX/XX/XXXX ( XXXXXX/XX/XXXX) and the real estate market volume was down 50 % in XXXX and XXXX. It turns out I had returned payments on XX/XX/XXXX for {$12000.00} ( subsequently paid {$10000.00} on XX/XX/XXXX ), XX/XX/XXXX for {$16000.00} ( subsequently paid {$14000.00} on XX/XX/XXXX ), and {$23000.00} on XX/XX/XXXX ( when I caught wind of a returned payment, I immediately paid XXXX on XX/XX/XXXX to meet more than the minimum balance due. I paid off the entire balance on XX/XX/XXXX for {>= $1,000,000}. At no point in time did anyone from Citi reach out verbally or written to let me know my account was in danger of being closed. Why, after being a customer for almost 40 years, have an XXXX XXXX XXXX, grosses around XXXX ( this past 2 years were slightly lower with real estate volume off 50 % ), is a CPA and CFP, has XXXX XXXX in equity in my primary residence, wouldnt anyone from Citi reach out? Instead, they just decide to close 2 of my Citi Credit Cards without warning. To compound the problem, they are saying they will not give me the {$2300.00} in XXXX Reward Cash that I rightfully earned and accrued. They said my account closed on XX/XX/XXXX and the certificates for the awards goes out XX/XX/XXXX..not that it should even matter, but to do something like this 2 weeks before I am due the reward is just not cool. I have tried to speak with multiple managers at Citi and while they all seem to side with me, all of them claim there is NOTHING they can do about it and that Id just need to get my card reinstated. We tried that, to no avail, despite having a credit limit of {$47000.00} and spending probably XXXX throughout the year ( huge fees/money for Citi ) XXXX Needless to say, I am beyond flabbergasted that I have had to spend so much time and energy trying to make this right. I earned and accrued the cash rewards, so PLEASE pay me what is rightfully mine. If, for some reason, you have to reinstate my account, just do it and set the credit limit to a low number. NOBODY IN THEIR RIGHT MIND WOULD SAY I AM A CREDIT RISK, nor would anyone think it is fair for the bank to unilaterally close my account right before I am owed {$2300.00}. PLEASE MAKE THIS RIGHT!

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 2025-02-05 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My accounts was never late! I have had exceptional payment history withXX/XX/XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-06 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: NY

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX2025, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$29.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the alleged debt referenced in your recent communication. Pursuant to 15 U.S.C. 1692g, I request validation of the debt. Specifically, please provide the following : 1. The name, address, and contact information of the original creditor.

2. A detailed breakdown of the debt amount, including the principal, interest, fees, and any payments made.

3. Documentation of the chain of assignment, showing all transfers of the debt from the original creditor to your company. This should include : Copies of all agreements, bills of sale, or other documents evidencing the transfer of ownership.

Proof that my specific account is included in the transfer ( s ).

4. A copy of the forward flow agreement or relevant portions thereof, demonstrating your right to collect this debt, and whether it includes my specific account. 

Please note that until this information is provided, I do not recognize or acknowledge this debt. I request that you cease all collection efforts, as required by law, until proper validation has been completed. 

This request ensures that the debt collector is held to a high standard of proof, increasing the likelihood that only legitimate debts are pursued. 

DO NOT SEND ME NO STATEMENTS! SEND ME THE ABOVE MENTION. IF NOT, DELETE IMMEDIATELY!! 

XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I instantly transferred money from my XXXX acct to my Cash app acct. I was charged an instant transfer fee. XXXX sent verification that the transfer was successful but Cash app says they've not received and transfers from XXXX. Neither company can tell me where my money is and why I'm charged fees for processes that are not being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
Kindly ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize or create these accounts, nor do I know where they came from. In accordance with USC 1681g, I request their removal within 15 days. Relevant documents are attached for your review.

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 2025-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
So I reported XXXX and dobberstein law firm they are trying to collect old debt that is from 2017 and now they are garnishing me after I called tried to work things out yes I did lose a few jobs along the way but there should be no reason of the garnishment without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NJ

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
I do not have any children. I have never paid child support. This is a fraudulent account on my credit report. 
Attorney General Office- {$55000.00} XXXX XXXX {$570.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Upon request of a XX/XX/XXXXreport i encountered multiple ghost transactions sent through my account under ACH transfers for large amounts of money. The transactions do not show on a regular bank statement but did pop up on the requested report. The transactions date through XXXX and XXXX while the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Back in XXXX and XXXX cash app took my money stole my money transferred money to different accounts close my account without my knowledge I couldnt contact them because they didnt have a number to contact. They owe me {$7000.00}. Theyre saying that they have no knowledge which they do And I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MS

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding XXXX failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Salander Enterprises, LLC
State: WI

Complaint narrative:
So I reported XXXX and XXXX XXXX firm they are trying to collect old debt that is from 2017 and now they are garnishing me after I called tried to work things out yes I did lose a few jobs along the way but there should be no reason of the garnishment without my knowledge

Company response to consumer: Untimely response
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I never authorized the inquiries your company has placed 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 explanation