vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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:
Unauthorized items remain on my credit report as a result of the fraudulent use of my personal information, and I have never received any benefit from these transactions. Understanding the severity of the situation, I quickly filed a report with the Federal Trade Commission, expecting a resolution. However, despite following all the proper steps, these fraudulent items persist on my report. This has become incredibly frustrating, as I continue to face the damaging effects of someone else 's misuse of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX  XXXX {$13000.00} Date Open : XX/XX/year> XXXX XXXX XXXX XXXX {$0.00} XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX  XXXX {$13000.00} Date Open : XX/XX/year> XXXX XXXX XXXX XXXX {$0.00} XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
These hard inquiries are fraudulent and doesnt belong to me and need to be removed. Also the nest as well. Thanks XXXX XXXX  XXXX transUnion XXXX XXXX  - XX/XX/XXXX experian XXXX - XX/XX/XXXX experian XXXX - XX/XX/XXXX transunion XXXX  - XX/XX/XXXX XXXX XXXX  XXXX  XXXX experian XXXX XXXX XX/XX/XXXX - experian XXXX  XXXX  XXXX  XX/XX/XXXX Transunion XXXX XXXX  XX/XX/XXXX Transunion XXXX - XXXX Transunion XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX Transunion XXXX XXXX XXXX  XXXX  - XX/XX/XXXX Experian XXXX XXXX Experian XXXX XXXX  - XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Transunion XXXX XXXX - XX/XX/XXXX Transunion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Transunion XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XXXX  XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Transunion XXXX XXXX  - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
My credit reports has old address on that are not my address. Creditors have file 1099 on my credit and XXXX XXXX is low. Have never received in 1099 for tax information. Other creditors havent not report the right information and XXXX has not reported information correctly for years. So now. I am pay high rates on money in getting anything in my name. I working on my credit now but its hard fixing something when its report wrong to the credit bureau. My contact number is ( XXXX ) XXXX. My name is XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
sunrise credit services account XXXX amount XXXX this account is open by fraud I have attached a police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: VA

Complaint narrative:
I request the negative reported and charged off accounts on my reports from Equifax, Experian and Transunion to be removed from my reports. I am writing to formally dispute charge-offs account listed on my credit report and to request the removal of all negative items that are affecting my XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section 609, I have the right to dispute any inaccuracies on my credit report, and I believe these entries are unjustly impacting my financial future. Dispute Reasons : I did not receive a 1099 form reflecting any charge-offs, which raises questions about its validity. I am a retired XXXX veteran who served for more than XXXX years of XXXX XXXX and i served in combat in multiple countries. I have tried to resolve my credit issues directly with the agencies and i have yielded any positive results. I have been affected by a past and recent data breach that compromised my personal information which caused some erroneous charges to my accounts. However, I had to remain mission focused. In light of these circumstances, I am requesting the removal of the charge- offs as well as all negative items on my credit report to allow me to have a fresh start. I respectfully urge you to investigate this matter thoroughly and to consider the unique challenges I have faced as a retired veteran service member. Thank you for your attention to this crucial matter. I look forward to your prompt response, as it will greatly assist me in rebuilding my credit and future financial opportunities. In light of these circumstances, I am requesting the removal of charge-off as well as all negative reflecting items. 

In light of these circumstances, I am requesting the removal of charge-offs as well as all negative items on my credit report to allow me to have a fresh start. I respectfully urge you to investigate this matter thoroughly and to consider the unique challenges I have faced as a service member. Experian is being sued for failing to properly investigate consumer disputes with creditors and committing other violations of the Fair Credit Reporting Act. The lawsuit alleges that Experian has been conducting " XXXX  investigations '' of consumer report errors, potentially jeopardizing XXXX  of Americans ' access to credit, employment, and housing. Please remove all negative accounts and charge off accounts that is reflecting negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING has agreed that I am no longer responsible for this account and has issued a court document indicating so. This account therefore need to be removed from off my credit report as it is causing harm and is still being reported. I am asking that this account be deleted from my credit report as promised by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated. 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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The creditor never sent me a 1099 for this charge off. I ask them numerous of times to send me a 1099, I still have yet to receive it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
I am writing to formally dispute the following fraudulent accounts and inquiries that appear on my credit report. These entries were added without my authorization and are directly linked to identity theft and potential data breaches. As a victim of identity theft, I am asserting my rights under federal law to have these inaccurate and fraudulent accounts and inquiries removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX New Inquiries : 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 2025-03-21 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX New Inquiries : 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 non-monetary relief
Consumer complaint received 2025-03-21 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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received multiple AMEX gift cards from my employer. These cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX XXXX XXXX- no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender XXXX  and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my cards in cash/check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: Lil' Wave Financial, Inc.
State: CA

Complaint narrative:
I paid off this second mortgage and the payoff demand charged 6 months worth of interest for interest accrued from XX/XX/XXXX to XX/XX/XXXX. This totals {$13000.00}. The NOTE for this loan states that there is only a 6 month interest penalty if the loan is paid off within the first 6 months. This loan has gone well beyond that point and never have any payments been missed. 

In fact, all the payments made are interest only payments. So to charge me for 6 months of interest is not justified as all payments have been received and there is no language in the NOTE that triggers this charge. 

I have been in email communication with XXXX XXXX who is the XXXX XXXX XXXX XXXX  XXXX XXXX for Superior Loan Servicing located at XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX and also XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. XXXX said that the 6 months interest charge was for payments in arrears. 

I explained that no payments have been missed and supplied proof from my bank of the payments having been made. She replied and said that's not how arrears payments work. Being in the lending industry I know exactly how this works and let her know that. 

Further I went on to mention that the resolution to this is a simple accounting audit of my payments as it corresponds to the terms of the loan and they will find that the collection of an additional 6 months of interest is unwarranted and not legal. 

In an earlier email I stated that I would like to resolve this and forego involving any legal or judicial processes. XXXX I requested that this accounting be completed and sent to me today or I would obtain legal counsel to pursue the remedy. As of XXXX on XX/XX/XXXX I have not yet received a response. So XXXX I will retain an attorney to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT XXXX XXXX XXXX : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX and XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with ONEMAIN FINANCIAL. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with ONEMAIN FINANCIAL for review or collection. 

Pursuant to 15U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$2000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$2000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$2000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX regards, XXXX XXXX

Company response to consumer: Closed with explanation