vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
Originally, Healthcare Finance Direct said my bill/loan was on hold because XXXX failed to fulfill services. They said after 150 days that my account was taken off hold and sent to a debt collector. I never received my ending retainers or my second dental check-up. Now I am getting calls, letters, and emails from a debt collector XXXX, saying I owe {$1300.00}, but I never even received most of the services, nor finished my dental plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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 am writing to formally notify you of an incident of identity theft. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. I request that you place a fraud alert on my credit report to protect against further fraudulent activity. 
Below are my details : I have already filed a report with the appropriate law enforcement agency, and a copy of the police report is attached to this letter. I also request that you provide me with a copy of my credit report from each bureau to ensure no additional fraudulent activity has occurred under my name. 
Please acknowledge the placement of the fraud alert and let me know if any further information is required to assist in the investigation. I understand my rights and request that all appropriate actions are taken to protect my identity and credit status. 
Thank you for your prompt attention to this matter. 
Sincerely,

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 2025-04-30 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:
RECENTLY I LOOKED AT COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE OCCURACY ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of the debt you allege I owe and to address multiple violations of federal consumer protection laws in your collection practices. I do not acknowledge any debt to the following collection agencies : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 12 CFR 1006.34 ( b ) ( 5 ), I request full validation of the alleged debt, including the name of the original creditor, the account number, the total amount claimed, and a full itemization of all charges and fees. I also request a copy of the purchase agreement between your agency and the original creditor to verify the legitimacy of your claim. A formal complaint has been filed with the Consumer Financial Protection Bureau ( CFPB ) regarding these matters. 

Effective immediately, I revoke any consent for you to contact me by phone, email, or text message. All further communication must be in writing. Your failure to provide a reasonable opportunity to dispute the debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and your omission of required disclosures under 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), constitute serious violations 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 explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 


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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
RECENTLY I LOOKED AT COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE OCCURACY ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
I am writing to urgently address this account that needs to be deleted off of my credit report immediately. This is an Inaccurate account and is reporting inaccurate as this account was paid and full. I proceed to call XXXX AND XXXX -! : they confirmed that the account was paid and full and needs to be deleted off of all 3 credit bureaus immediately! Document is attached. Account Name : XXXX & XXXX Account number : XXXX Date Opened : XX/XX/year>2025 Balance : {$420.00} Under 15 U.S.C. 1681c-2 ( a ), I request that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If this issue is not resolved within the specified time frame, I will pursue legal action and seek damages of {$1000.00} per violation under 15 U.S.C. 1692k. This legal action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is urgent, and I appreciate your immediate attention to this dispute. Please confirm the prompt removal of this fraudulent account.

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 2025-04-30 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: PA

Complaint narrative:
I am writing to urgently address this account that needs to be deleted off of my credit report immediately. This is an Inaccurate account and is reporting inaccurate as this account was paid and full. I proceed to call XXXX AND XXXX -! : they confirmed that the account was paid and full and needs to be deleted off of all 3 credit bureaus immediately! Document is attached. Account Name : XXXX & XXXX Account number : XXXX Date Opened : XX/XX/year>2025 Balance : {$420.00} Under 15 U.S.C. 1681c-2 ( a ), I request that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If this issue is not resolved within the specified time frame, I will pursue legal action and seek damages of {$1000.00} per violation under 15 U.S.C. 1692k. This legal action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is urgent, and I appreciate your immediate attention to this dispute. Please confirm the prompt removal of this fraudulent account.

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 2025-04-30 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: FL

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-04-30 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-30 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:
It was multiple cash app accounts that took my money from my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: WY

Complaint narrative:
My name is XXXX XXXX XXXX dob XXXX XXXX XXXX ss # XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX Wyoming XXXX and I am filing this complaint because credit collection services is reporting that I owe them money balance of {$73.00} original creditor is XXXX XXXX XXXX XXXX account # XXXX which I have no knowledge of ever having insurance with this company.they sold my account to a 3rd party which means they accepted money for this account and is reporting without my written consent to share my personal information with a 3rd party which is considered identity theft and is violating my federally protected rights I have disputed this account several times and they have sent me any information.please delete this account from transunion because it's hurting my credit.inhave no knowledge of either company

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 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: TN

Complaint narrative:
XX/XX/XXXX my wife mailed out a check for the mortgage company to sign due to water damage in our house. My wife sent it over night with a return label to be sent overnight as well. Come friday and sat we never recieved the check. I have called ever since and even asked to speak with a manger in the claims dept. and still no answer. I recently sent them an email asking for an update and waiting on a reponse. The name of the company is Planet Home Lending based out od XXXX, Mi

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 2025-04-30 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I was in the phone with rep and they did soft pull and came out my credit line will be & XXXX and I told them no I dont want to continue I dont need a card with {$200.00} limit on it its a joke I have cards with $ XXXX {$4000.00}. I dont want a card with low limit do not proceed. But they did anyway they mailed me a card they I throw it out didnt even activate it because I dont need that. Call them they brushed me off tried to remove hard inquiry from my report they denied. That is scammy move from the side of this company I need this to be removed from my credit asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I sold an item on XXXX XXXX  for {$400.00} on XX/XX/2024 and was paid through XXXX. I was sent the XXXX  money within a few minutes from the XXXX  messages. Then this charge was disputed because the sender 's account was hacked and was then used to pay me for an item. 

XXXX  said that I needed to pay them back even though it is clearly an issue with their own security and they should have covered it. I refused to pay it back and have filed multiple support cases. As a result, they have frozen my account and whenever I get paid on XXXX, they automatically take the money to cover " what I owe ''. 

From the screenshots below ( all of which were sent to Venmo at the time of the dispute ), there is a clear record of communication regarding the sale and the transaction occurring. I am not at fault for the validity of this purchase, as this account was hacked on XXXX  's side. 

I've reached out to XXXX  in these following support cases : # XXXX, # XXXX Dispute ID : XXXX XXXX  said that they disputed it with the sender 's bank and did not win the dispute of this chargeback and so are unable to dispute this further on your behalf. And that I still owe the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Newrez misapplied a simple {$5000.00} principal payment to future payments instead of principal. XXXX cahiers check # XXXX was Marked " Principal Only '' on memo for XX/XX/XXXX payment. 

In XXXX I sent in my regular payment with an additional {$5000.00} for principal only. This was clearly marked on the payment stub and on the XXXX cashiers check as Principal. The payment was processed incorrectly by Newrez receiving staff they applied XXXX future payments paid ( XXXX, XXXX & XXXX ) and only XXXX to principal. This Newrez error caused the system to generate new statements for the next 3 months showing {$0.00} Balance due. 

I called several times in XXXX to alert staff to the error. Nothing was corrected causing no payments due statements to be generated. Finally, I spoke with a supervisor ( XXXX XXXX ) who stated she is typing an email to the supervisor of receiving to correct the problem and adjust the principal correctly. I asked her to contact me personally when this is resolved so I can get updated. I never received a call or update from anyone about any corrections so I paid off the loan balance on XX/XX/XXXX. I was reassured on the phone calls that there would not be any negative impact for late or missed payments due to adjustments. 

In a response letter from Newrez - " In response to your phone request Newrez reversed the 3 future payments. '' Unknown date when this occurred. I believe sometime late XXXX. This automatically caused me a missed payment and a report to credit bureaus. 

In conclusion, I should have been given notice of correction applied - payment now due in 30 days from adjustment. Instead of automatic missed payment once correction was applied. This was clearly a Newrez error and was not handled accordingly.

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