vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
( XXXX XXXX ) has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA XXXX ( a ) ( XXXX ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law. 
FCRA XXXX ( XXXX XXXX. XXXX ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report. 
FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within XXXX  days means this late payment must be deleted. 
Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have disputed this account BARCLAYS XXXX XXXX the inaccurate information being report on my credit report. XXXX continue not investigate this dispute despite the proof of inaccuracies I mailed via certified mailed.

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 2025-03-04 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:
What happened I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : : XXXX & XXXX Account Number : XXXX Date Opened : XXXX : $ XXXX XXXX XXXX Account Number : XXXX Opened : XXXX : $ XXXX XXXX  XXXX  Account Number : XXXX Opened : XXXXBalance : $ XXXX XXXX XXXX Account Number : XXXX Opened : XXXX : $ XXXX XXXX  Account Number : XXXX Opened : XXXX : $ XXXXXXXX XXXX XXXXXXXX Account Number : XXXXDate Opened : XX/XX/year> Balance : $ XXXXXXXX XXXX XXXX Account Number : XXXX Opened : XXXXBalance : $ XXXXXXXX XXXX XXXX  Account Number : XXXX Opened : XXXXBalance : $ XXXX XXXX XXXX Account XXXX : XXXX Opened : XXXX Credit : {$7100.00} XXXX  XXXX  Account Number : XXXX Opened : XXXX : {$23000.00} In accordance with section XXXX of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days. Please notify me of the actions taken in response to this request. Thank you for your prompt attention to this urgent 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit is trying to collect a debt from XXXXXXXX XXXX  which I never used a credit card from XXXXXXXX XXXX or applied for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Relay Financial (US), Corp.
State: DE

Complaint narrative:
My company conducts business with multiple foreign companies, but during a recent money transfer, my account was blocked and the funds were frozen. It has already been many days, and the money is still being withheld without any reason provided. Currently, all of my accounts have been frozen. My finance manager has communicated with the bank multiple times, but there is still no solution. The bank claimed that a check would arrive within 810 days, but it has not been received. The seizure of my business funds has caused a cash flow crisis, leaving me in a difficult situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: HW Holding, Inc
State: LA

Complaint narrative:
On XXXXXX/XX/XXXX I sent out dispute letters to all three bureaus disputing this debt that has been put on my credit report. From XX/XX/XXXXXXXX XXXX XXXX  I have received emails and texts from this debt collector threatening to sue and put this collection on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I formally disputed with ( XXXX, Equifax, and Experian ) the furnishing of my personal credit information with their agencies. 

According to FCRA section 15 U.S. Code 1692c its illegal to report information on my credit report without permission. Please remove it from my credit report. At the current time ALL three agencies are reporting different information. XXXX is the only agency that properly addressed my claim. 

The dispute where first sent by certified mail in XXXX to all ( 3 ) agencies. Then after no action I then did the dispute electronically through each agencies direct website. Lastly I have called just for them to tell me there is nothing they can do.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Follow-Up on Dispute Submitted on XX/XX/year> Failure to Conduct Reasonable Reinvestigation Complaint In Reference # XXXX I am writing to follow up on the dispute I submitted to you on XX/XX/year>, regarding inaccuracies and unresolved items on my credit report. To date, TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable reinvestigation of the disputed information. 

As outlined in my previous letter, I provided substantial evidence that the accounts in question contain inaccurate or unverifiable information. Despite this, TransUnion has neither corrected nor removed these disputed items, which has resulted in continued harm to my credit standing. This failure to properly investigate and resolve the disputed accounts is a direct violation of federal law, as outlined in the FCRA. 

Additionally, the systemic issues identified by the Consumer Financial Protection Bureau ( CFPB ), including failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes, are evident in my experience with TransUnion. 

The specific accounts I am referring to are : XXXX XXXX Account number ( partial # XXXX ) Inaccurate Late Payments ( Please Remove ) XXXX  XXXX Account number ( partial # XXXX ) Inaccurate Late Payments ( Please Remove ) XXXX XXXX All Accounts Not My Accounts ( Please Remove ) XXXX  Account number ( partial # XXXX ) Inaccurate Late Payments ( Please Remove ) I request that you take the following actions immediately : Conduct a thorough and reasonable reinvestigation of the above-mentioned accounts, ensuring that any inaccuracies or unverifiable accounts are removed or corrected. 
Provide me with a formal response detailing the steps taken to resolve the dispute and the evidence reviewed. 
Confirm that TransUnion has complied with the legal requirements under the FCRA and that all future disputes will be handled in a timely and appropriate manner. 
Please treat this as a final notice. If TransUnion fails to act within 15 days of receiving this letter, I will file additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may pursue legal action to seek redress for the continued harm caused by these inaccuracies.

I expect immediate and appropriate corrective action. Kindly confirm receipt of this letter and provide a written response promptly.

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 2025-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
They have my account on hold which I tried to withdraw my funds I called the fraud department and they told me I am allowed to withdraw my funds in the branch and now theyre saying its up to the branch to let me withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-04 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:
On XX/XX/year>, I discovered that I was a victim of identity theft involving multiple fraudulent accounts. I did not authorize the following : 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 I am requesting these accounts be investigated and removed from my credit report. This fraudulent activity has caused financial and personal distress, and I would appreciate your prompt assistance in resolving 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I was contacted by a representative from Upgrade regarding my loan application for {$11000.00} at a 30 % interest rate. During the call, I informed the representative that I only needed {$9000.00}, and she told me I would receive a new loan document reflecting that amount. At no point during this call was I informed that the interest rate could increase as a result of lowering the loan amount. 

I received the new loan document with the {$9000.00} loan but noticed that the interest rate had changed. I immediately called the representative ( XXXX ) to express my concern. She confirmed that the rate had changed, but when I expressed dissatisfaction with the new rate, she told me I could change the loan back to the original {$11000.00}. However, she did not clarify that the {$11000.00} offer would become void if I did not accept it, leaving me with no proper way to adjust the terms or change my decision. 

The next day ( XX/XX/year> ), I received another call from XXXX, stating that they could not move forward because the {$9000.00} offer was still a pending offer. I explained that this issue arose because of Upgrades internal process and that the original terms had been mishandled. XXXX assured me that a supervisor would remove the offer, but this still did not resolve the situation. 

On XX/XX/year>, I received a call from XXXX again, asking me to withdraw my application. However, she did not disclose that this would start a new process, and that my approval could be affected. I asked her if the approval would still stand if I re-applied, and she did not provide any clarification. 

I then called Upgrade back to speak with a supervisor ( XXXX ). During this call, XXXX falsely claimed that the representative had informed me of the rate change and that I had verbally accepted the new terms. This is simply not true. If XXXX listens to the call, it will be clear that I explicitly called out the higher rate and raised concerns about it. Before discussing any of this with XXXX, he immediately claimed that I opted out of direct pay, which allegedly caused the rate increase. I never opted out of direct pay, and I provided my XXXX card number for payments. This part of the conversation seems suspicious, as the loan was cancelled immediately after I provided my card number, which makes me believe this could be a scam. 

To summarize : I never agreed to the increased interest rate and was not informed of the change before it happened. 
I was misled by Upgrades representatives, who provided false information regarding how the offer would proceed. 
Upgrade failed to disclose critical information about the consequences of not accepting the {$11000.00} loan offer and did not provide adequate guidance when I expressed concerns. 
The supervisors claims about my verbal acceptance of the terms are false, and the discrepancy in the call records needs to be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year> I made a transfer from my checking account to an external bank. I have done this numerous times in the past, It immediately debited my checking account, but never got deposited in my savings acct. The amount was {$2000.00} The bank has so far done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-04 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-04 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: DC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally lodge a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impacted my financial standing and personal life. As a victim of identity theft, I have discovered numerous fraudulent accounts and inaccuracies in my credit reports, which the credit reporting agencies and creditors have failed to address adequately despite my efforts to rectify these issues through proper channels. 

Summary of the Issue : I have been the victim of identity theft, with several fraudulent accounts opened in my name. I have reported these inaccuracies to the respective credit bureausXXXX, Equifax, and Experianas well as to the original creditors, outlining the fraudulent accounts and requesting their removal under the guidelines of the FCRA. Despite these efforts, my disputes have not been resolved satisfactorily, and the fraudulent information continues to adversely affect my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-03-04 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: BANKERS HEALTHCARE GROUP LLC
State: MD

Complaint narrative:
In 2022, I applied for a business loan from BHG Financial in the amount of {$100000.00} under my XXXX, however to finalize the loan I was told it would need to be considered as a personal or sole proprietor instead. I did not complete any of the loan documents, as everything was sent to pre-filled. During the course of paying my loan, I asked about the prepayment option and was told I can't pre-pay the loan for the first 7 years and would be able to pay off the loan if I want to at year XXXX. The interest rate of this loan is beyond high and by the time I get to the prepayment date, I would have paid double the loan amount in interest alone. 

The company doesn't send statements monthly and I have to request statements on my behalf just to see where my loan stands. This is the case with myself as well as my business partners who also took out loan under the same pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: LA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never had late payments for the account XXXX XXXX  XXXX - Account number : XXXX. I have proof that there is a discrepancy within the late payments that are being reported. All 3 major bureaus are reporting different/inaccurate amounts of late payments. Truly they should all say zero. Please investigate and provide proof with statements showing that the payments were late. If proof can not be provided, I demand the payments be updated to " Pays as Agreed/Never Late '' as they should as I was NEVER late. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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