vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MT

Complaint narrative:
Square ( Block, Inc. ) is withholding {$4700.00} of my business funds without valid explanation. These payments were made willingly by my customers between XX/XX/XXXX and XX/XX/year>, for diesel repair services and parts. Despite providing documentation and trying to resolve the issue, Square has not released the funds or provided a case number, causing serious financial harm as I try to launch my business after being laid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
They was super to fixed my credit twice the year XXXX and XXXX I was paying between $ XXXX then it was supposed to go up to {$400.00} for priority thats what was told to me but they didnt do nothing so I fired them because it was supposed to be fixed in like 90 days and what they was doing was nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: IL

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 2025-04-14 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED 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  These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX Cell:XXXX  XX/XX/year> Subject : Dispute Regarding Civil Liability for Negligent Noncompliance ( FCRA Section 1681 ) Dear Mr./Ms. 

I am writing to formally dispute an issue related to my consumer report under the Fair Credit Reporting Act ( FCRA ), specifically referencing Section 1681, which addresses the civil liability for negligent noncompliance. 

On XX/XX/year>, I discovered inaccurate information in my credit report, failure to properly and adequately investigate disputed information on my credit report. This situation has caused me significant distress and has adversely affected my financial standing. 

According to FCRA Section 1681, entities that fail to comply with the Act 's requirements can be held liable for damages caused by their negligent actions. I believe that all credit bureaus are negligent in their compliance due to Incomplete Information such as incorrect accounts and balances, payment histories, or personal information like name, address, accounts that I did not open. Outdated Information that should be removed after a certain period still appears on my credit report. Fraudulent Accounts and Accounts belonging to someone else with a similar name or other identifying information, leading to confusion. All to which have led to disputes because of the inaccuracy and unsubstantiated reports have affected credit decisions. 

I request that you investigate this matter and provide me with a written response detailing your findings and the corrective actions that will be taken. Additionally, I expect the erroneous information to be corrected or removed from my consumer report in accordance with the FCRA. 

Please respond to this letter within 30 days, so we can resolve this issue amicably. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX Cell:XXXX  XX/XX/year> Subject : Dispute Regarding Civil Liability for Negligent Noncompliance ( FCRA Section 1681 ) Dear Mr./Ms. 

I am writing to formally dispute an issue related to my consumer report under the Fair Credit Reporting Act ( FCRA ), specifically referencing Section 1681, which addresses the civil liability for negligent noncompliance. 

On XX/XX/year>, I discovered inaccurate information in my credit report, failure to properly and adequately investigate disputed information on my credit report. This situation has caused me significant distress and has adversely affected my financial standing. 

According to FCRA Section 1681, entities that fail to comply with the Act 's requirements can be held liable for damages caused by their negligent actions. I believe that all credit bureaus are negligent in their compliance due to Incomplete Information such as incorrect accounts and balances, payment histories, or personal information like name, address, accounts that I did not open. Outdated Information that should be removed after a certain period still appears on my credit report. Fraudulent Accounts and Accounts belonging to someone else with a similar name or other identifying information, leading to confusion. All to which have led to disputes because of the inaccuracy and unsubstantiated reports have affected credit decisions. 

I request that you investigate this matter and provide me with a written response detailing your findings and the corrective actions that will be taken. Additionally, I expect the erroneous information to be corrected or removed from my consumer report in accordance with the FCRA. 

Please respond to this letter within 30 days, so we can resolve this issue amicably. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
As per the Privacy Act, I understand that it ensures that the U.S. Department of Education ( ED ) handles my student loan data responsibly, collecting only necessary information, explaining how it will be used, and providing safeguards to protect it from unauthorized access or disclosure. 
Under this process, I am afforded key protections. Under the four collections afforded to me, three are in direct violation. They are as follows : Use of information : The ED must ensure that the records are used only for the reasons given, or seek permission for other uses.The recent access by DOGE is a direct violation of this Privacy Right. 

Safeguards : The ED must provide adequate safeguards to protect the records from unauthorized access and disclosure.The recent access by DOGE is a direct violation of this Privacy Right. 
Access to records : Borrowers can access their records and correct any inaccuracies.The recent access by DOGE is a direct violation of this Privacy Right.

Although the ED has access to student loan data, including borrowers XXXX XXXX XXXXXXXX ; names, Social Security numbers, financial information, and contact information, student advocacy groups and members of Congress have expressed concern about the access granted to DOGE. Additionally, as per the original complaint, I am allowed key protections under the Privacy Act and this access, without my verbal and/or written consent has caused great concern on the validity of the data showing in these accounts. 
Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals data managed by federal agencies and contractors. 
Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to XXXX and subsequent data demonstrate clear negligence. 
Breach of Contract and Data Security Obligations : By failing to protect my sensitive information, both MOHELA and XXXX have breached contractual terms and obligations, rendering these debts unenforceable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: SD

Complaint narrative:
Complaint Against Affirm Regarding Dispute With JoinAmble ( Amble Health ) - {$1600.00} Charge On XX/XX/year>, I contacted Amble Health ( also known as JoinAmble ) to cancel a compounded semaglutide ( 503A ) order. They replied that same day saying they totally support my decision and asked how I wanted to proceed. I responded immediately, stating I wished to cancel and that I felt misled by the process all before any shipment or charge had been finalized. 

Despite this, my Affirm loan was processed on XX/XX/XXXX. XXXX XXXX delayed further response and, days later, told me on XX/XX/XXXX that it was too late to cancel. They then shipped the product anyway without my consent. 

I received no proper medical evaluation only a single vague message from someone identifying as a doctor who asked no questions about my health, history, or suitability for treatment. This falls far below a legitimate telehealth consultation and misrepresents the nature of their service. It was immediately alarming that this business plays " fast and loose '' with serious prescription medications. 

Upon delivery of the package, I returned it immediately via XXXX as Return to Sender sealed and unopened. I also told XXXX I did not consent to any future shipments and requested deletion of my account. 

In response, the company : Sent me coercive messages pressuring me to pay for half Discouraged me from disputing the charge Deleted my account with all personal data Affirm denied my dispute on the grounds that I agreed to Ambles terms ignoring that : I canceled before the loan was processed I never received proper care I returned the product unused I stated clearly I felt misled before any formal dispute The merchant delayed communication to intentionally bypass cancellation This situation reflects unjust enrichment, medical service misrepresentation, and coercive post-sale behavior. XXXX has also been flagged in numerous online reviews and carries an F rating on the BBB, with many customers reporting the same experience : ignored cancellations, vague care, and denied refunds. 

I am requesting that CFPB investigate Affirms handling of this case and prevent them from enabling unethical or fraudulent service providers. A {$1600.00} charge for a product I did not consent to, use, or keep and after clear cancellation is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I deposited money on XX/XX/year>, evening around XXXX at the Chase bank ATM located in XXXX XXXX XXXX  off of XXXX XXXX Up depositing {$8500.00} ( all {$100.00} bills ) into the ATM, ATM states it can receive that many bills at once. It counted only {$5100.00} and XXXX bills that didn't count properly. I immediately cancelled the transaction and the machine only returned half my money. I immediately called for assistance but was told that I had to file a claim as there was nothing they can do. They took note for a case, that was it. 

XX/XX/year> I called the fraud/claims line and started my case.They said they can provide me with a provisional credit of my missing money ( {$3100.00} ) and started my case. I went down the my local office, deposited my cash at the teller and wanted to know more of my case, but they said it was out of their hands as someone needs to come audit the ATM. Meanwhile said ATM was still operational, it ate my cash and after me opening a case it was still operational. 

XX/XX/year> Chase sent me a notice and upon their investigation, I should have only received partial credit and took away {$2800.00}. They have not provided any information on how they came to that conclusion or amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Lvnv is a collection that is in my credit that i have never heard of or received Any paperwork for about a debt there is not contact information for the debit collector they just appeared on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/year> Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
These inaccuracies on my credit report are unacceptable and are actively damaging my financial credibility. I've made several attempts to address these mistakes, but they continue to reappear. 

If these errors are not removed or corrected within the appropriate time frame, I will take further legal action for all damages incurred, including any violations under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX BALANCED {$99.00} XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$14000.00} XXXX XXXXXX/XX/year> XXXX XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.

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 2025-04-14 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 am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
I have no idea why this is on my credit I never lived in these apartments

Company response to consumer: Closed with explanation