vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: MD

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
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$17000.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$2200.00} Other Identity Theft Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$250.00} Fraudulent Online Shopping or XXXX Account XXXX or Organization : XXXX XXXX  Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$150.00}

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 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
In or around XXXX, I took out a loan with Avant due to losing my job to help keep me afloat for a few months until I was able to secure a new job. Unfortunately, I didnt not obtain stable employment until XXXX of XXXX. 

By XXXX of XXXX, I would be more than 120 days late on payments and the account would eventually be sold off to a collection agency called XXXX XXXX XXXX. 

In XXXX, I settled the debt with XXXX XXXX XXXX. 

However, nearly 10 years later when I attempted to apply for a new loan with Avant, I was told that I had been denied for two reasons : 1. ) I had previously applied for a product of theirs on XX/XX/XXXX which I had not. And it was only today that I had reached out with an inquiry as to why I couldnt see the option to apply for a loan in my portal or account. 2. ) I had previously poor performance. 

Although, my initial inquiry was not obtaining a loan itself. It was the continued reporting of a sold off account, which is listed on my account nearly 10 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NJ

Complaint narrative:
I just reviewed my credit report and was alarmed to find accounts I have no knowledge of. These accounts were never opened or authorized by me, yet they are being reported under my name. This is completely inaccurate and misleading, and I need immediate clarification on how this happened.

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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Product purchased and returned using my Citizen Banks debit card. Bank claiming merchant ( XXXX ) did not send refund. Went back to XXXX today even though I had a receipt of refund and was told sent to bank and only bank can clarify. Called bank early this morning. Sent to merchant. Called bank again after talking with merchant and bank insisting they do not have my deposit. Asking for details of original purchase and amount of that transaction and the amount of the refund. Stating they must file a claim can take up to two weeks and I will be notified by mail if they are able to find my money. This is second time they have done this. Many others complain online about exact same problem. I may or may not get my money back. Totally unacceptable. Other refunds to debit cards are automatic these days and XXXX assured me it should have been. Asking questions about what the purchase was and did I really return the product? Why did I return it? Like I was making this up. Unbelievable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
I just reviewed my credit report and was alarmed to find accounts I have no knowledge of. These accounts were never opened or authorized by me, yet they are being reported under my name. This is completely inaccurate and misleading, and I need immediate clarification on how this happened.

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 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
In XXXX of XXXX  my AppleID was compromised and I lost control of the account. I had an apple credit card through Goldman Sacs attached to this ID. Fraudulent activity occurred- which was caught in a timely manner. Currently the account is still tied to my phone number and social security number. After several disputes and fighting fraudulent charges I gave up and paid off the remaining balance. Now that the account has no balance I am wishing to close the account entirely. When my account was compromised the perpetrators changed key information that locked me out forever. One such piece of information they changed was my birthdate. I do not know what birthdate the perpetrators input, and Apple says that without me giving them the birthdate they can not close my account. They did however accept my updated bank account information to link payment. I am told there is no way around this- and they will not allow me to submit any identification materials to prove who I am so I can close this account and have this out of my hair. I am told that this account will live out in limbo- and that I will have massive exposure should the perpetrators decide to start ringing up charges again. 

I need help to close this account and relieve me of this exposure. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
I asked the XXXX XXXX to remove my private information from the credit profile and t correct the inaccurate information on my profile.

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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 2025-02-13 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: WI

Complaint narrative:
Enclosed is proof that Equifax did not investigate this account for maximum accuracy reporting as I requested. I requested that Equifax remove the Late Payments from the account XXXX XXXX XXXX. This account is reporting inaccurate information to XXXX XXXX and Equifax. Simply " parroting '' information from Data Furnishers without an actual independent verification constitutes willful non-compliance as affirmed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ). This complaint is against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently respond immediately 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 mandates a reasonable investigation of disputes. Furthermore Equifax actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceeding. ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal Law. Problem account is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: GA

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 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 2025-02-13 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: GA

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 2025-02-13 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC
State: UT

Complaint narrative:
On about XX/XX/year>, I got served paperwork for a credit card debt owed to XXXXXXXX XXXX XXXX. I have never had an account with XXXX XXXX nor a credit card with them. I tried to call the number on the paperwork and they would not provide me with any information. My name was incorrect and my birthday was redacted. I immediately started doing research and my first thought was that my ex had opened a fraudulent credit card in my name. I broke up with him in XXXX of XXXX because I caught him stealing money from me and from my XXXX XXXX XXXX XXXX XXXX XXXX. I kicked him out and his parting words to me were Your life is about to get really hard really fast. I didnt know what he meant until I got this credit card debt. I called the company that had me served, which was already sketchy because it is called Johnson Mark LLC but am being taken to court by XXXX XXXX XXXX. So I am not sure which company is even trying to collect this debt. I told them that this was not my debt and they said they would put it under investigation and to call back in 30 days. When I brought up that the paperwork said I had 14 days to respond to the courts or else I would be pushed into a default judgement, they told me not to worry about it cuz it was going to be under investigation. Well I did worry about and decided to check with the courts anyway, and without even saying anything to me about the result of the investigation, they already filed a civil case. So I gave my response to the courts. I finally got my debt validation letter from them about 2 months after I had requested it and it is not under my full correct name and they also redacted my birthdate. As I kept looking through the paperwork, I realized all their information was linked to my exes email address. So no wonder I never knew about this account or this card. Because all their information notifications were going to him. The letter also did not have my physical signature or my electronic signature anywhere on it. The amount of debt they claim I owe is {$730.00}. I am an honest person and I pay all my debts as long as they are MY debts. This is not my debt. I have filed police reports about it. I have contacted experian. I am in the process of getting a restraining order against my ex and am waiting for a response from the courts about my court date. I tried calling XXXXXXXX XXXXg again and this time I got their automated machine but when I pushed the corresponding button to speak to someone it would continue to beep and just disconnect the call. I couldnt find another number for them online but then when I looked up Johnson Mark LLC, I found a number for them and got there same exact automated message system and was able to get ahold of someone who also did not give me any information. How are 2 different companies trying to collect this debt? I need to figure out whats going on and how I can get rid of third debt since I didnt make it?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
My account with XXXX, XXXX, AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 reported in to be removed. 

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. 

XXXX, XXXX, AND XXXX XXXX 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! 

Delete 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 2025-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We have recently received the BPO for XXXX XXXX XXXX, and the estimated price of {$750000.00} is concerning. Back on XX/XX/XXXX, the initial BPO estimated the house at {$820000.00}. The reason we requested a second BPO was due to the first broker 's failure to account for an additional XXXX square feet of permitted space. The relevant documents were shared with all parties, yet the initial BPO showed the Gross Living Area as XXXX square feet, rather than the correct XXXX square feet. Despite this oversight, the property was valued at {$820000.00} in XX/XX/XXXX. 

However, the updated BPO, dated XX/XX/XXXX, still reflects the incorrect square footage, with the report listing a Gross Living Area of XXXX square feet. I had communicated with multiple Freedom representatives to ensure this error would be rectified, yet it persists. Initial conversation and resubmittal of the documents showing the correct square footage was submitted to XXXX ( XXXX ID XXXX ID : XXXX ) where I was insured that the broker will receive the information and the issue from the first BPO won't happen again. Additionally the updated BPO values the property at {$750000.00}, representing a nearly {$75000.00} ( 9 % ) decrease. Based on my research, the XXXX XXXX market has shown a slight increase in XXXX, which makes this discrepancy even more concerning. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX sold for {$750000.00} on XX/XX/XXXX, which translates to {$540.00} per square foot. XXXX XXXX XXXX is XXXX square feet smaller than XXXX XXXX XXXX in gross living area and XXXX square feet smaller in lot size. Additionally, XXXX XXXX XXXX has only XXXX bathroom, while XXXX XXXX XXXX has XXXX bathrooms. Given that the square footage was not accounted for, the estimated value of {$750000.00} is inaccurate. When you also factor in the larger lot size and the additional XXXX bathrooms at XXXX XXXX XXXX, the estimate needs to be adjusted to reflect a more realistic value. This issue extends to all the comparables selected in the BPO. Attached you will find the XXXX BPOs and if you need the permit information please reach out to me We strongly urge you to reconsider the valuation and use the corrected square footage and other relevant features to produce a more accurate estimate.

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 2025-02-13 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: IL

Complaint narrative:
For over a year I have been working with Transunion to remove debts not pertaining to me. I have contacted each financial institute to receive information about claimed debt with all of them resulting in them not having any accounts associated with my identity. After disputing several accounts Transunion claims they investigated XXXX  XXXX XXXX debt reported under my credit. However, upon contacting XXXX  XXXX XXXX myself, they were unable to find any information associated with me. Leaving me confused as of how Transunion found the debt accurate.

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 2025-02-13 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: CA

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 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 2025-02-13 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:
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 2025-02-13 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:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, 2024, Amount : XXXX I informed them about the account being opened without my authoritie the debt was sent to another credit company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation