vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
These are the companies trying to collect debt due to Identity Theft 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 XXXX XXXX XXXX XXXX XXXX Credit Acpt.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 explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi TransUnion, I just paid for a copy of my credit report after those data breach and found those 7 fraud inquiries that shall delete from my credit report. I never applied or contact those places and all the inquiries below were not authorized by me. 

Ally Financial inquiry date on XX/XX/2024, XXXX XXXX XXXX inquiry date on XX/XX/2024, XXXX  XXXX XXXX XXXX inquiry date on XXXX XXXX XXXX XXXX  inquiry date on XX/XX/2024, XXXX XXXX XXXX inquiry date : XX/XX/2024, XXXX XXXX inquiry date on XX/XX/2024 and XXXX XXXX INQUIRY DATE : XX/XX/2024

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 2025-02-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
{$50.00} were gifted to me using a XXXX prepaid giftcard. I was trying to check the balance both online and via phone number, and the gift card and pin were invalid. When trying to submit a report on their website using my address, the XXXX digit barcode, and all of my card information, it errored out saying I'm unable to submit a request. Following the instructions to call on the card, nothing could be done since my card was deemed invalid.

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 2025-02-20 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: UT

Complaint narrative:
I'm writing to express my frustration over the inaccuracies in my report that are unfairly affecting my scores and, as a result, my future opportunities. These errors are not just numbers on a pagethey have real consequences. Because of them, Ive faced unnecessary rejections, higher rates, and missed chances that I should have rightfully had. Its incredibly frustrating to be held back by incorrect information that shouldnt even be on my report in the first place.

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 2025-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am writing to formally file a complaint against Affirm regarding an unauthorized charge that they claim I owe. Affirm is alleging that I made a purchase on XXXX for {$440.00} on XX/XX/XXXX, which I did not authorize or make. 
On XX/XX/XXXX, I contacted Affirm in writing to dispute this charge and requested that they remove the purchase from my account. In response, they assigned my case the ID # XXXX and stated they would investigate the matter. 
On XX/XX/XXXX, Affirm responded, claiming that I am responsible for the purchase. I immediately replied the same day, requesting evidence of the purchase, including transaction details. I also provided Affirm with screenshots of my XXXX purchase history, which did not reflect any transaction matching the alleged amount or date. 
On XX/XX/XXXX, Affirm responded once again, insisting that I am responsible for the charge but failed to provide any supporting documentation or proof that I made this purchase. They did not provide any record of a transaction on or around XX/XX/XXXX, nor did they show any evidence linking me to a {$440.00} purchase on XXXX. My XXXX XXXX ID is XXXX. 
Affirms failure to provide sufficient proof while continuing to demand payment for an unauthorized charge is unacceptable. I am requesting the XXXX XXXX XXXX to intervene in this matter and ensure that Affirm provides verifiable evidence of this transaction or removes the unauthorized charge from my account immediately. I have attached all my communication with Affirm and the screenshots of my XXXX purchases. 
Please let me know if you require any additional information. I appreciate your time and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: Westcreek Financial
State: NV

Complaint narrative:
Company : West Creek Financial XXXX : XXXX XXXX, VA XXXX Phone : XXXX I am disputing an account reported by West Creek Financial that appears on my credit report. The details are as follows : Account Opened : XX/XX/year> Date Reported to Credit Bureau : XX/XX/year> Amount Due : {$2700.00} Supposed Last Payment Date : XX/XX/year> Term : XXXX  months with monthly payments I want to clarify that this is not my account. I have never applied for credit with West Creek Financial , nor have I ever been to Virginia. I reside in XXXX XXXX, NV, and have never traveled to XXXX XXXX, VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of 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 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted disputes personally and through my credit repair agent about all the inquiries and the collections on my profile that I told them was not mines and I gave them my Fraud affidavit that I filled the FTC. I asked them to validate the accounts and they never do but they still keep the invalidated information on my credit file. Especially addresses and phone numbers that are not mines on top of all that I have disputed already. When I call they just keep putting me on hold, I ask for a manager, they say a manger will call me, no one ever calls me.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: SC

Complaint narrative:
My check was with held and unauthorized transaction not refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence buys your personal information from the dark web after a security breach and then sends a bogus " major derogatory report '' directly to the credit bureaus. In my case, i had constantly been getting phone calls from XXXX ( XXXX ) XXXX. they would call, and then immediately hang up, not even giving me a chance to answer. today Credence Resource Management, put a collections on my credit for {$XXXX}. i had called them trying to see what exactly the problem was. they asked me to verify my first and last name, i did. they asked for my phone number, i told them, they said that was not connected to any account. which was weird because they have been calling me for weeks, on my new number they didnt have an account for. i gave them the a XXXX XXXX XXXX phone number, and they said it matched their records. i continually asked for the business name that this collections was for, and they told me they wouldnt provide me the information, unless i gave them my home address or the last XXXX of my social security number. i refused, we argued, i asked for a supervisor. i was transferred and the supervisor told me the same thing. they refused to tell me anything about my debt owed. i told them that is personal information that i would not be releasing. i then hung up. im very frustrated with this, and it has made my credit go down significantly. All XXXX XXXX could tell me, is that the derogatory mark was made, the price and the account was opened XX/XX/XXXX The comments made on XXXX reviews, under their business, all of those people have experienced the same circumstances, in different forms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Every week I need to call Chase Bank due to credit card issues or checking account issues. They are constantly dealing with fraudulent charges on my credit cards. The fraud claim I filed more than 2 months ago was just ignored. 

I finally decided to cancel my account. I updated all credit card payments to be paid from XXXX XXXX. 

The branch on XXXX XXXX XXXX XXXX XXXX said they closed the account. They did not. 

I had to spend more than XXXX hour dealing with multiple transfers to settle this issue. 

They then said the auto pay was still linked to my Chase checking account. It was not - I changed the payment to be made by XXXX XXXX more than XXXX weeks ago. 

In addition they charged a {$XXXX} checking fee even though I told them I was closing the account. I explained that I was waiting for a fraud claim to be settled. Again they never followed up with me on that claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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.

TRANSUNION Never Sent the periodic statement along with
the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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 2025-02-21 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: MI

Complaint narrative:
I AM FILING A COMPLAINT AGAINST EQUIFAX FOR FAILING TO PROPERLY INVESTIGATE MY DISPUTES REGARDING INACCURACIES IN MY CREDIT REPORT. DESPITE MY SUBMISSIONS, EQUIFAX CONSISTENTLY RESPONDS WITHIN XXXX HOURS STATING THE ACCOUNT IS ACCURATE, WITHOUT PROVIDING ANY EVIDENCE OF A THOROUGH INVESTIGATION. THIS PRACTICE VIOLATES THE FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C.1681i, WHICH MADATES REASONABLE INVESTIGATION OF DISPUTES. FURTHERMORE, EQUIFAX 'S ACTIONS MAY ALSO CONTRAVENE THE CONSUMER FINANCIAL PROTECTION ACT ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), AS HIGHLIGHTED IN THE CFPB 'S RECENT ADMINISTRATIVE PROCEEDING ( FILE No. 2025-CFPB-0002 ) AGAINST THEM FRO SILIMAR VIOLATIONS. I REQUEST THAT THE CFPB TAKE ACTION TO ENSURE EQUIFAX COMPLIES WITH FEDERAL LAW AND PROVIDES CONSUMERS WITH THE NECESSARY PROOF OF INVESTIGATION. THESE ARE THE ACCOUNTS THE I HAVE MARKED IN ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief