vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: 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 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Roundpoint mortgage applied an escrow account on my existing payment for flood insurance. My insurance agency sent proof of coverage and payment. Roundpoint requested a form filled out for cancellation of the escrow account. I received from the Escrow department an Escrow closing notice re-establishing my mortgage payment back to what I was always paying. Meanwhile my XX/XX/year>XXXX  mortgage payment shows in the History payment as received but not applied to the existing account. Now they have added a late fee to my account. I have called, sent emails asking to please take care of the matter my XX/XX/XXXX payment is coming up and I dont know what should I do. Please help!

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I reviewed a copy of my credit report and noticed several inaccuracies on my report.This account is hurting my ability to obtain credit. It is my understanding the credit bureaus will investigate this account to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX  Account Number : 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KS

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: AZ

Complaint narrative:
I am writing to formally lodge a complaint against American First Finance for unauthorized and excessive withdrawals from my XXXX Classic Checking account, which have caused significant financial hardship. I believe I am a victim of unlawful practices by American First Finance, similar to those highlighted in a recent lawsuit involving unlawful loans. 

Per my agreement with American First Finance, I was to pay {$220.00} until XX/XX/year> to avoid interest charges. However, American First Finance has been withdrawing {$33.00} weekly from my account, resulting in an overcharge of over {$330.00}. These unauthorized withdrawals have triggered overdraft fees of {$29.00} each from my bank, XXXX, further compounding my financial distress. 

Attached is a screenshot of my recent transactions, which clearly illustrates the repeated withdrawals and overdraft fees : - XXXX : ** American First Finance - {$33.00} ( Pending ) - XXXX XXXX XXXX XXXX XXXX XXXX Item Paid - Recurring Debit Card Purchase - {$29.00} - XXXX XXXX XXXX XXXX XXXX XXXX Item Paid - ACH - American First Finance XXXX {$29.00} - XXXX : ** American First Finance - {$33.00} - XXXXXXXX XXXX XXXX XXXX XXXX - Item Paid - ACH - American First Finance - {$29.00} XXXX XXXX : ** American First Finance - {$33.00} I also want to bring to your attention the recent class action lawsuit against American First Finance for issuing unlawful loans without proper disclosure of terms, as detailed [ here ] ( XXXX XXXX XXXX ). I feel that my situation aligns with the allegations in this lawsuit, and I may also be a victim of these unlawful practices. 

I kindly request the CFPB to investigate American First Finance 's practices and take appropriate action to rectify this situation. I also seek reimbursement for the unauthorized withdrawals and the overdraft fees incurred. 

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

Sincerely, XXXX XXXX and XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Identity Theft Statement for CFPB Complaint I am submitting this complaint because I am the victim of identity theft. I did not authorize the accounts, transactions, or inquiries listed below. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in investigating and resolving these issues. 

The following information was used without my knowledge or consent : Name : XXXX XXXX Social Security Number : XXXX The following accounts were opened and/or used without my knowledge or consent : XXXX XXXX Balance : XXXX Status : Closed Account # : XXXX XXXX XXXX  XXXX Balance : XXXX Status : Closed Account # : XXXX XXXX XXXX Balance : XXXX Status : Closed Account # : XXXX I did not authorize or initiate any activity related to these accounts. My personal information was misused without my consent. 

Steps I have taken : Filed an identity theft report with the appropriate authorities ( police or FTC ). 

Contacted the involved financial institutions and reported the fraud. 

Placed fraud alerts with all major credit bureaus. 

Disputed the fraudulent entries directly with the creditors. 

I request that these fraudulent accounts be removed from my credit file and that any negative impact be corrected. 

Please advise if further documentation or clarification is needed to move this complaint forward.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Identity Theft Statement for CFPB Complaint I am submitting this complaint because I am the victim of identity theft. I did not authorize the accounts, transactions, or inquiries listed below. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in investigating and resolving these issues. 

The following information was used without my knowledge or consent : Name : XXXX XXXX Social Security Number : XXXX The following accounts were opened and/or used without my knowledge or consent : XXXX XXXX Balance : XXXX Status : Closed Account # : XXXX XXXX XXXX  XXXX Balance : XXXX Status : Closed Account # : XXXX XXXX XXXX Balance : XXXX Status : Closed Account # : XXXX I did not authorize or initiate any activity related to these accounts. My personal information was misused without my consent. 

Steps I have taken : Filed an identity theft report with the appropriate authorities ( police or FTC ). 

Contacted the involved financial institutions and reported the fraud. 

Placed fraud alerts with all major credit bureaus. 

Disputed the fraudulent entries directly with the creditors. 

I request that these fraudulent accounts be removed from my credit file and that any negative impact be corrected. 

Please advise if further documentation or clarification is needed to move this complaint forward.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

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 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: EQUIFAX, INC.
State: MA

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 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: IN

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Starmark Financial LLC
State: UT

Complaint narrative:
Back in XXXX Starmark financial called me at work after not being able to reach me on my personal phone. Asked Starmark financial to not contact me at work and they said they would not contact me at work and that my work phone number was deleted from their system. I was unable to answer one of their calls and they once again called my job on 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 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX [ Account ] # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I initially requested an investigation with Equifax into several accounts on my credit file back on XX/XX/XXXX. Since then, Ive seen no indication whatsoever that any action has been taken. Out of growing concern, I followed up multiple timeson XX/XX/XXXX and again on XXXX Ive received no response. As of today, XX/XX/XXXX, I still havent been notified that the investigation is underway, nor is there any sign on my credit file that these accounts are marked as being in dispute. This lack of communication and progress is unacceptable, and I need confirmation that these matters are being addressedimmediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cash app allowed changes to.a closed account which then fraud was commit on my account. They allowed someone to update the debit card in file and commit fraud. The card that was added was not in my name and they allowed this on a closed account. Which resulted in me having a XXXX balance from XXXX and cash app won't take responsibility for it and refund my money.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please take immediate action to block and remove the unauthorized accounts from my credit report. I did not initiate these accounts, nor am I aware of their origins. Under USC 1681g, I formally request their removal within 15 days. Enclosed are relevant documents for your reference. Additionally, there are inconsistencies in account details being reported across different credit bureaus.

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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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: MD

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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