vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: FL

Complaint narrative:
Starting in 2020 I was a victim of severe identity theft. My information was sold on the dark web and my life became a living nightmare. The offenders opened tons of accounts in my names, destroyed my credit. Recently I have begun to put my life back together. When I contacted XXXX about one of the fraudulent accounts they responded with we found it to be you according to logins. There are active police investigations into this case at a local and state level due to the extent of damage done to my life. Its so disturbing that XXXX and others would allow a victim to be victimized again. I have had this same issue with XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX and XXXXXXXX XXXX Its shameful this is the practice of business to report on credit reports the FALSE reports of identity theft victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-29 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NE

Complaint narrative:
Several companies have accessed my credit report without my authorization, which has negatively impacted my credit and overall credit score. I previously contacted Equifax regarding this issue, and a representative assured me that the unauthorized inquiries would be removed. However, they continue to appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: Early Warning Services, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX hour ago ) to me XXXX XXXX XXXX XXXX ID : XXXX Date of Birth : XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Early Warning Services LLC XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers. 

Bank : XXXX ( Open XXXX ) Account Number : XXXX Routing Number : XXXX Bank : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Routing Number : XXXX Bank : XXXX  ( Open XXXX ) Account Number : XXXX Routing Number : XXXX Bank XXXX XXXX ( Open Date XXXX ) Account Number : XXXX Routing Number : XXXX I don't recognize the following accounts in question. I'm a victim of Identity Theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings consumer report immediately! I've attached a copy of the report to this request. 

Thank You for your assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$530.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-29 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:
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 2025-04-29 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: HI

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 2025-04-29 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: HI

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 2025-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: TX

Complaint narrative:
The company states the loan was obtained XX/XX/year>. I have never had any notification that there was a past due loan and the debt only showed up on my credit within the last month. So almost XXXX years after this loan supposedly occurred. The only XXXX  loan I took out was settled and paid. I do not owe anything. They wanted me to submit a police report showing identity theft. I told them burden of proof is not on me, it is on them as a debt collector. She insisted that since it was attached to my ssn, it was my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 2025-04-29 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Twice this year the company failed to post payment until after the due date.

The most recent one was XXXX. We use our banks bill pay feature for all our bills. 
Our payment date was XX/XX/year>, the bank sent a check for the full amount on XX/XX/year>. I received an online notice for the next billing cycle showing no payment was received by the due date and interest and late charges were added. I called the credit card company on XXXX XXXX questioning the new statement and told them that the bank sent a check for the full amount on XX/XX/XXXX. They claim they did not receive payment but will investigate. Full payment was posted the same day I questioned it.

I called to follow up and was told they received payment but I was still responsible for the interest and late charges on the combined months amount even after receiving payment. After much discussion and threatened to stop using the card they agreed to dismiss the charges Incompetent processing on their part should not be paid for by the customer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
No access to live representative for account inquiries. When you click support you only get to type in a few question which leads to FAQ instead of actual help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, I am filing this complaint against Best Buy Customer Care due to all of the round about nonsense their department has put me through. I was told by the Best Buy Customer care team and a Best Buy Store manager their were 2 Best Buy gift cards being provided to me. One was in the amount of {$57.00} and one in the amount of {$850.00}. After speaking with both parties one Best Buy Supervisor told me that the gift cards would be emailed to me and the Best Buy Store manager advised the gift cards would be mailed to me. I am confused as to what exactly the correct process is with how Best Buy actually sends or provides gift cards to Best Buy customers. To resolve this matter I would like for Best Buy to honor the information I was provided by Best Buy. The case id I have is XXXX. Best Buy customer care told me both gift cards were mailed to my address. The case specialist I have been dealing with is a XXXX. 

Thank you, 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 2025-04-29 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: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Time ago I had an account with XXXX XXXX, during the covid they stat to take money out of my account insisting that I had a {$10.00} agreement to keep in the account in order not to pay fees, it is not true I had an old account it was open long time ago and I had no fees no minimum balance, I think the account was open around XXXX  in XXXX XXXX XXXX, during the covid while I was in XXXX they start to take money out of the account I called and they said the account was dormient, now they say I needed to have a minimum balance of {$10.00} it is all a lie please let me know if I can do anything to get my money because XXXX XXXX  they do whatever they what changing agreements, with out the signature and the counter part agreeing on their terms they just do what they what overnight

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 2025-04-29 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MI

Complaint narrative:
I am submitting this complaint against TransUnion for their continued reporting of fraudulent, unauthorized, and unverified accounts and hard inquiries on my credit report, despite having provided ample evidence that these items are inaccurate. I previously submitted a formal dispute letter to TransUnion, including documentation proving that XXXX  has already removed the same fraudulent accounts and inquiries from my credit file. However, TransUnion has failed to take any corrective action.

These accounts and inquiries were not authorized by me, and I have no connection to them. I also provided notice that I am part of an ongoing class action lawsuit against TransUnion related to their mishandling of consumer data, further supporting the need for them to take my complaint seriously. This unresolved issue is negatively impacting my creditworthiness, financial opportunities, and overall peace of mind.

I am requesting that the CFPB intervene to ensure TransUnion fully investigates and permanently deletes all fraudulent and unverifiable items from my credit report, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I am also requesting that TransUnion be held accountable for any failure to comply with these legal obligations.

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 2025-04-29 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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX, doing business as Prosper, regarding loan account number XXXX. I believe this loan violates Florida 's usury laws. The loan agreement carries a stated interest rate of 25.17 % per annum. Florida Statutes 687.02 generally limits interest to a maximum of 18 % per annum, with exceptions for loans exceeding {$500000.00}. My loan principal is less than this amount, making the charged interest rate potentially unlawful. 

While the rate does not exceed the 45 % threshold for criminal usury under Florida Statutes 687.071 ( 2 ), it still exceeds the general 18 % limit. I have asserted to Prosper in writing that this loan is usurious and potentially void and unenforceable under Florida law. 

On XX/XX/year>, I sent Prosper a formal notice revoking authorization for electronic funds transfers and demanding the following : Cessation of Automatic Debits : An immediate stop to all automatic withdrawals from my bank account. 
Refund of Excess Interest : Reimbursement for all interest paid above the legally permissible rate. 
Acknowledgement of Usury Claim : A response addressing my claim of usury. 
I am requesting the CFPB 's assistance in this matter. I seek a refund of the excess interest paid, and any other remedies available under Florida 's usury laws. I have requested a response from Prosper within 14 days, and I am prepared to pursue further legal action if necessary. Copies of my notice to Prosper are attached for your review. Thank you for your time and consideration.

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 2025-04-29 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: NJ

Complaint narrative:
Upon reviewing my consumer reports, l discovered some instances of late payments on an account for which I have always maintained timely payments. 
Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment for 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 I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that all these payments be promptly reflected as on time, as I have consistently upheld my payment obligations without delay.

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