vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Financial Network Inc.
State: CT

Complaint narrative:
XXXX XXXXAmerican Financial Network ( AFN ) is notorious and has serially falsely reported hundreds of thousands of mortgages as having late payments and refuses to fix falsely reported late payments related to covid and loan modifications with deferments in particular. This company is arrogant and plays with the financial well-being of others and should be shut down by XXXX because they receive government insurance and their incompetence in falsely reporting late payments has an adverse effect on the economy as well. 

XXXX is also a semi government agency that needs to be chopped or massively overhauled by XXXX which I work with as they are arrogant, inefficient, and incompetent. They can fix the falsely reporting lates or I will unleash a maniacal war against them they won't believe. 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 2025-03-11 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ) is notorious and has serially falsely reported hundreds of thousands of mortgages as having late payments and refuses to fix falsely reported late payments related to covid and loan modifications with deferments in particular. This company is arrogant and plays with the financial well-being of others and should be shut down by XXXX because they receive government insurance and their incompetence in falsely reporting late payments has an adverse effect on the economy as well. 

Equifax is also a semi government agency that needs to be chopped or massively overhauled by XXXX which I work with as they are arrogant, inefficient, and incompetent. They can fix the falsely reporting lates or I will unleash a maniacal war against them they won't believe. XXXX XXXX XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for 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 2025-03-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-03-11 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: AZ

Complaint narrative:
When I had viewed my credit report there were hard inquiries that were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am writing to formally dispute a late payment reported on my account with [ Company Name ]. According to my records, I have made timely payments for all of my bills, and I believe the reported late payment is in error.

COMENITYCB/ULTA Account Name/Number : XXXX Upon reviewing my payment history, I believe the payment in question was either made on time or there was a delay due to [ briefly explain any valid reasons, such as a postal delay, technical issues with the payment system, etc. ]. I have attached supporting documentation, including proof of payment and any relevant bank statements, to demonstrate that the payment was made as required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******

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 2025-03-11 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$830.00} XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00}

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 non-monetary relief
Consumer complaint received 2025-03-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: KS

Complaint narrative:
I had four credit cards with past-due balances when I was approached by an individual offering assistance with consolidating my debts. They communicated with me initially via text, which appeared to come from an email, and later through a phone number.

Following our conversations, I made payments on the cards using the information they provided. As a result, the balances decreased, and at one point, all four cards showed zero balances. To prevent further use, I closed three of the accounts, leaving only one active. However, a few days later, I received notices from the credit card companies stating that the payments had been returned due to a closed bank account. This pattern continued, and the balances on all the cards eventually returned to their original amounts. During this time, I lost all contact with the individual who had been assisting me. 

Upon realizing I had been scammed, I reported the incident to the local police department and filed a police report. Unfortunately, the credit card companies have declined to review the report or cooperate with me in resolving the matter. 

First account : Discover Payments made : {$5000.00} - XX/XX/year> ( this made the balance {$4100.00} ) {$4100.00} - XX/XX/year> to pay off the balance XX/XX/year> - XXXX - returned payment ( not from my bank accounts ) Concerned about my credit, Ive spent the past year attempting to work with each credit card company to resolve the situation, but Ive had no success. Despite the lack of assistance, Ive continued to make monthly payments to protect my credit. Unfortunately, Im no longer able to sustain these payments without cooperation or support from the companies regarding this scam. 

Current Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: WA

Complaint narrative:
Subject : Complaint Regarding Loan Denial & Credit Report Impact Dear I am writing to formally file a complaint against Prosper Loans regarding their handling of my loan application. I applied for a {$20000.00} debt consolidation loan through Prosper, with an APR of 13.76 %. Despite meeting all financial criteria and receiving pre-approval through XXXX XXXX, Prosper denied my loan after five days of verification without providing any explanation. 

Key Details of My Financial Standing : 29 months of on-time payments ( no late payments ). 
Credit score of XXXX. 
Good credit mix ( 4 credit cards, 1 installment loan ). 
More than {$15000.00} in available credit limit. 
Submitted six bank statements from three different bank accounts. 

Despite my strong financial profile, Prosper not only denied my loan but also incurred a hard inquiry on my credit report, which has negatively impacted my credit standing. The lack of transparency and the undue impact on my financial record have caused me inconvenience and frustration. 

I request that Prosper provide a valid explanation for their decision and remove the hard inquiry from my credit report, as this denial appears unjustified given my financial qualifications. Please advise on the next steps I can take to resolve this matter. 

Thank you for your assistance. I look forward to your response. 

Best regards, XXXX XXXX Email : XXXX Phone : 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.

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 2025-03-11 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: SC

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 non-monetary relief
Consumer complaint received 2025-03-11 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: RI

Complaint narrative:
I noticed on my credit report multiple inquiries for car loans : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached my FTC Report. Thank you for your time in helping me solve this matter.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I noticed on my credit report multiple inquiries for car loans : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached my FTC Report. Thank you for your time in helping me solve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$260.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
Formal Complaint Against Equifax and TransUnion for Failure to Conduct Proper Investigations To Whom It May Concern, I am writing to formally file a complaint against Equifax and TransUnion for their failure to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes, these credit bureaus have failed to conduct a thorough investigation into the erroneous accounts and inaccurate data reported on my file. In contrast, XXXX has accurately reflected the necessary corrections, proving that Equifax and TransUnion are not adhering to their legal obligation to ensure maximum possible accuracy.

Because of their negligence, I have suffered financial harm, including but not limited to : 1. Denial of credit opportunities 2. Increased interest rates on loans and credit cards 3. Emotional distress caused by their failure to correct inaccuracies Under the FCRA, both Equifax and TransUnion are responsible for conducting a proper reinvestigation and correcting all inaccurate information in a timely manner. Their failure to do so has directly impacted my financial standing, and as a result, I am requesting that they be held financially accountable for damages.

I demand the following corrective actions : 1. A full and proper investigation into my disputes, with corrections made to my credit file immediately.

2. Compensation for the financial harm and emotional distress caused by their failure to maintain accurate credit reporting.

3. Written confirmation that my disputes have been resolved and my credit file reflects accurate information.

I urge the CFPB to take appropriate action against Equifax and TransUnion for their negligence in handling consumer credit disputes. Please confirm receipt of this complaint and provide me with updates on any actions taken regarding this matter.

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
Formal Complaint Against Equifax and TransUnion for Failure to Conduct Proper Investigations To Whom It May Concern, I am writing to formally file a complaint against Equifax and TransUnion for their failure to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes, these credit bureaus have failed to conduct a thorough investigation into the erroneous accounts and inaccurate data reported on my file. In contrast, XXXX has accurately reflected the necessary corrections, proving that Equifax and TransUnion are not adhering to their legal obligation to ensure maximum possible accuracy.

Because of their negligence, I have suffered financial harm, including but not limited to : 1. Denial of credit opportunities 2. Increased interest rates on loans and credit cards 3. Emotional distress caused by their failure to correct inaccuracies Under the FCRA, both Equifax and TransUnion are responsible for conducting a proper reinvestigation and correcting all inaccurate information in a timely manner. Their failure to do so has directly impacted my financial standing, and as a result, I am requesting that they be held financially accountable for damages.

I demand the following corrective actions : 1. A full and proper investigation into my disputes, with corrections made to my credit file immediately.

2. Compensation for the financial harm and emotional distress caused by their failure to maintain accurate credit reporting.

3. Written confirmation that my disputes have been resolved and my credit file reflects accurate information.

I urge the CFPB to take appropriate action against Equifax and TransUnion for their negligence in handling consumer credit disputes. Please confirm receipt of this complaint and provide me with updates on any actions taken regarding this matter.

Sincerely

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 2025-03-11 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: CA

Complaint narrative:
Last year i was made aware that i was a victim of identity theft. I contacted the bureaus and i filed a fraud affidavit. I sent that to them and mostly all the fraud accounts came off except a couple that are still there. That is why i have ti submit this complaint

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 2025-03-11 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:
Last year i was made aware that i was a victim of identity theft. I contacted the bureaus and i filed a fraud affidavit. I sent that to them and mostly all the fraud accounts came off except a couple that are still there. That is why i have ti submit this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$760.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$690.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$690.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$660.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$610.00} Open Date XXXX XXXX XXXX XXXX XXXX Balance {$230.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$100.00} Open Date XX/XX/XXXX inquiries XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
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 redress for these violations.

Company response to consumer: Closed with explanation