vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

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 2025-02-04 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
I WOULD LIKE THIS REMOVE FROM ALL CREDIT REPORTING ATTACHED TO ME AS THIS IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
I am writing to formally acknowledge the collection of the debt associated with my account, which was referenced in your initial communication dated [ Date of First Communication ]. Please consider this letter as my request for validation of the debt as specified under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. 

In compliance with the law, I request the following information to verify the debt : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement that I have the right to dispute the debt within 30 days. 
A notice that, if I dispute the debt, you are required to provide verification of the debt. 
If you do not provide this information within 30 days of receiving this letter, I will consider the debt to be invalid. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX - XXXX - {$12000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

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 systematic 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 experian has neither corrected nor removed dispute items dispite 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 experians 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 2025-02-04 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: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filling 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud 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 2025-02-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint with Bank of America on XX/XX/year> I deposited my check at an ATM. On XX/XX/year> and a hold was placed on it till XX/XX/year>. As of XX/XX/year> funds are not available hold extended to XX/XX/year>. This a Bank of America check to a Bank of America account. It seems they cant verify the B of A check in their system in a timely fashion. This is my pay check and a similar check was presented to this account on. XX/XX/year>. This is a use of my money with out reimbursement.

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 2025-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
OptumFinancial manages my Health Savings Account ( HSA ) account.

OptumFinancial refuses to accept the routing number from an XXXX XXXX Checking or Savings account for direct deposit, even though XXXX XXXX is a member of FDIC. 

Therefore, I am forced to wait for reimbursement checks to arrive by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
I told this company that I oweprosper to shut the card off after they charged me a first fee of {$40.00} and the a merchant fee of $ XXXXwhen I would pay my monthly payment and ask why theyd hit me with {$80.00} so that my balance was never paid down..and when I was a day late still the same {$80.00} but {$40.00} then {$40.00} I told them to shut the card off immediately and I made my last payment in XXXX because they never shut the card off and the balance never went down..its ridiculous..nowhere in the small print did it say charges would be that high..do not use prosper

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXXXX/XX/XXXX, I agreed to sign up for a monthly membership at XXXX XXXX. The cost per month would be {$99.00}, drafted automatically. I agreed to the initial {$99.00} charge on XX/XX/XXXX. However, I was then charged again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was charged 5 times total but 4 of the subsequent charges were unauthorized. I finally had to block them from being able to charge me by submitting a request to my bank as well as contactingXX/XX/XXXX to completely cancel my membership until the refunds are processed back to me. Between XX/XX/XXXX and XXXX,XX/XX/XXXX I was confirmed I was owed the refund and received email confirmations from XX/XX/XXXXfor all 4 charges. I then received 2 refunds of {$99.00} to my bank on XX/XX/XXXX. As of today, XX/XX/XXXX, that is the only refund I have received from XX/XX/XXXX. I filed a dispute with my bank, Capital One, on XX/XX/XXXX and was issued two provisional credits of {$99.00} ( {$190.00} total ). Capital One then emailed me on XX/XX/XXXX stating the merchant has agreed to credit me so my dispute is closing and Capital One will be taking back their provisional credits, which they did on XX/XX/XXXX. Because this was obviously incorrect, I contacted Capital One again on XX/XX/XXXX to clarify that yes XXXX did refund two charges ( back on XX/XX/XXXX ), but they owed me back four charges in total ( two outstanding ). I took the advice of the Capital One rep and submitted a dispute for the other two charges and was again given two provisional credits of {$99.00} ( {$190.00} total ). I then received another email from Capital One on XX/XX/XXXX informing me that after their investigation, they determined AdvancedMD refunded me two charges and again Capital One would be taking back their provisional credits as of XX/XX/XXXX which they have. So total, I still have only received two credits of {$99.00} total from AdvancedMD to my bank account as I have attempted to dispute two charges twice and both times, Capital One took their provisional credits back. I am still out {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: OCMBC, Inc
State: TX

Complaint narrative:
On XX/XX/year>2023, I closed on my home with XXXX XX/XX/XXXX Initially, I was informed that my monthly mortgage payment would be approximately {$1800.00} and that I wouldnt be responsible for closing costs. However, when I inquired about the absence of closing costs, my loan originator, XXXX XXXX, explained that no closing costs were required and that seller credits and other factors had put me in a favorable financial position. 

I later discovered that my closing costs were actually tied into a second mortgage. This was confusing because I had the funds available to pay the closing costs upfront and was never informed that they would be structured this way. 

My loan was eventually transferred to XXXXXX/XX/XXXX, and I was later informed that my loan originator may not have allocated enough funds to my escrow account. As a result, when my property taxes and insurance payments came due, my escrow account was overdrawn. Not only did this lead to a significant increase in my mortgage payment from approximately {$1800.00} to {$2400.00}, but I also had to continue to pay the second mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Company or Organization : XX/XX/XXXXXXXX Account Number : XXXX Date fraud began : XX/XX//2025 Date that I discovered it : Total fraudulent amount : {$500.00} Credit Card Opened by the Thief Company or Organization : XX/XX/XXXXAccount Number : XXXX Date fraud began : XXXX/2025 Date that I discovered it : Total fraudulent amount : {$1200.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$5000.00} Fraudulent Information on Credit Reports Other Identity Theft Company or Organization :XX/XX/XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
I purchased a six month car insurance policy with a monthly premium. After paying for six months, I sold the car and cancelled any FUTURE RECEIVABLES for any EXPECTED or ASSUMED Policy RESUBSCRIPTION. 

After VERIFIED through TWO AGENTS of XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX - they RESOLD MY PERSONALLY IDENTIFIABLE TAXPAYER INFORMATION to a disinterested 3rd party without Notice, Consent or Authorization. 

The THIRD PARTY debt collector using the STOLEN INFORMATION ( my XXXX ) to originate their counterfeited claims is not only FDCPA but also FCRA and a CONSUMER TORT. My credit is Damaged and as a result, I am unable to USE my OWN GOOD NAME and my own Credit I've re-established since XXXX2011 when my XX/XX/XXXX XXXX Bankruptcy case was DISCHARGED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I would be grateful if you could promptly eliminate the fraudulent entries from my credit report given the circumstances and take the necessary steps to rectify any inaccuracies or fraudulent actions. I've attached documentation from the appropriate authorities to support 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 2025-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Nationwide Capital Services, LLC
State: IN

Complaint narrative:
XXXX.25- received a call from XXXX to my cell and XXXX to work. I called back the XXXX and was connected with a XXXX. She proceeded to ask if I was XXXX and I affirmed. She stated that she was calling on behalf of a loan I took out with XXXX. I asked where she was from and she stated Structured Settlement and they also work with an attorney 's office. She stated before she contacted my employer they were calling to try and work out something with me. I proceeded to tell her she no longer has access to contact my employer and she said that it will continue until I take care of the collections. I informed her she was violating a federal regulation and she stated " allegedly ''. I asked her to send information to me and she said she would email a document to my email and proceeded to hang up on me before I was able to verify what email and when. This is not ok and completely against my rights as a consumer. She did not read me my rights and did not comply with what I was asking.

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 2025-02-04 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. 
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 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 explanation