vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-23 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
Ford Motor Credit! Took Money From My Bank Account! Without My Permission. And TookMoney XXXX Times In XXXX To Pay For The Lease? And Took Again On XXXX XXXX Times For Payments. They Owe Back To Me {$9900.00} Dollars. Back Into My Bank Account. They Sent Me A Letter On XX/XX/2025! That They Will Put the Money Back Into My Bank Account. NOW? It Is Been A Month! That I Haven't Seen The Money Back Into My Bank Account. I Said To Them! Were Is The Money That You 's Were Suppose To Have Back Into My Bank Account. I Haven't Heard From Then! In A Month.I? Want That Money Back Into My Bank Account In XXXX Business Days. Bureau Case Number Is XXXX. And The XXXX Account Number Is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
XXXX. Newrez has not provide by mail the XXXX form XXXX. Newrez has not mailed out any mortgage statements since XX/XX/XXXX. 
XXXX. Newrez accepted a payment in the amount of {$300.00} but has not applied to the account. 
XXXX. Newrez with the XX/XX/XXXX mortgage has now charged a late fee because I have not paid the additional forced-placed flood insurance. SEE Complaint : XXXX and XXXX XXXX. Newrez on or around XX/XX/XXXX received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX home 'comprehensive ' ( FLOOD fire water,,, ) policy for XXXX fully paid, and was sent via email to XXXX. 
XXXX. Newrez has requested an additional XXXX to resolve complaint XXXX. That is unacceptable given they have had since XXXX to current to resolve the issue. 
XXXX. XXXX with applying payment to the mortgage principle & interest with start foreclosure proceedings. 
XXXX. This will make a XXXX XXXX  old XXXX senior homeless. 
XXXX. This will secondarily ruin my credit rating.

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 2025-02-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Working with my attorneys and they have been unsuccessful with records that have been subpoenaed to XXXX XXXX. My credit reports have been manipulated and there are multiple accounts that I have not opened and also are not in my last name with the XXXX credit bureaus Also accounts have been opened when there was a credit freeze on my account. 
Equifax Trans union Experian

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian credit reporting has my credit rating at XXXX while XXXX XXXX and XXXX both have it at XXXX. Experian has cost me being refused while looking for cheaper car insurance and in addition will effect my interest rate for years because I am looking to purchase a car. They might possibly cost me not even being considered for a loan. I have taken years to resolve my debts, yet their report shows me as a risk still with the old debts while the XXXX agencies above mentioned that I get through XXXX XXXX keep increasing my rating.

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 2025-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc.
State: WV

Complaint narrative:
I was contacted by Someone saying they were from XXXXXXXX XXXX  XXXX XXXX, and immediately started asking me for personal information, Which I refused to provide any personal info due to whoever this person was failed to provide any verifiable information to prove that wasn't a scammer. to which I have not heard anything from them again. Until I received notice that a derogatory on my credit report stating that I owed a bill to XXXX XXXX. Although I tried to cancel my services with XXXX and they refused to cancel my services stating they needed a code to cancel service. They sent me a code about XXXX weeks after I requested to cancel service. Again I called XXXX to cancel service only to be told again that I couldn't cancel service because the code they sent was invalid, Again I could not cancel. This went on for approximately XXXX  month 's before I could finally have services cancelled. At which time I was informed by XXXX that my account was paid in full and I did not need to return any equipment to them. I had ask several times if I owed any bill and was told because they refused to cancel my services that nothing was due. Until the bill of {$150.00} showed up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am trying to make a credit card payment and I keep getting this error message : " Were unable to verify your ownership of this non-Truist account. Please check the information you entered and try again. For assistance with mortgage loan payments, please call the Mortgage Center at XXXX. For all other products, please call the Truist Care Center at XXXX. '' I have linked my XXXX  account in the app, but when I put my external banking account info in I keep getting that same error message.

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 2025-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: OH

Complaint narrative:
I am writing to formally complain about an issue I have encountered while attempting to make payments on my loan account with Systems & Service Technologies. Despite my good faith efforts to pay down my balance, I have been wrongfully prevented from making payments online, which has resulted in unnecessary accrual of additional interest and fees. 

This loan company that deliberately prevents a borrower from making payments on a past-due loan online to allow interest to accrue is engaging in unfair, deceptive, or abusive acts or practices ( UDAAPs ), which are illegal under federal and state laws in the XXXX. 

Potential Legal Violations XXXX. Consumer Financial Protection Act ( CFPA ) The Consumer Financial Protection Bureau ( CFPB ) enforces UDAAP regulations under the Dodd-Frank Act ( 12 U.S.C. 5531, 5536 ).

If a lender blocks payments to maximize interest accrual, this could be considered an abusive or unfair practice.

2. Truth in Lending Act ( TILA ) & Regulation Z TILA ( 15 U.S.C. 1601 et seq. ) requires lenders to provide clear disclosures on loan terms, including how payments are applied.

If the lender misrepresents payment policies or fails to apply payments fairly, they may be in violation.

3. Fair Debt Collection Practices Act ( FDCPA ) If a third-party debt collector is involved, refusing payments to increase interest could be considered unfair debt collection under the FDCPA ( 15 U.S.C. 1692 et seq. ). 
Example : A debt collector can not misrepresent the amount due or intentionally inflate the debt. 

XXXX. State Usury Laws Many states have usury laws that cap the amount of interest that can be charged. 
If preventing payments leads to interest exceeding legal limits, it could violate state laws. 

XXXX. Breach of XXXXontract If a borrower has a right to cure the default but the lender blocks payments, the borrower may have grounds for a breach of contract claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability toobtaincredit. 

I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

Agency : XXXX XXXX XXXX Date Open : XX/XX/2024 High Balance : {$330.00} 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 explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
Pursuant to U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ) I ask for this debt to be validated ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.

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 2025-02-23 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:
My Name is XXXX XXXX, and i am formerly disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681C, I did not authorize the reporting or release of my personal information to companies listed below. This is a Violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Futhermore, there are unauthorized inquiries on my credit report that i did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, i do not owe any debt to these entities, and i demand the immediate deletion of the items and inquiries in question to correct my credit report.Please address this matter promptly and confirm the removal of the disputed entries. 

I appreciate your immediate attention to this matter. Sincerely, 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 2025-02-23 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:
My Name is XXXX XXXX, and i am formerly disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681C, I did not authorize the reporting or release of my personal information to companies listed below. This is a Violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Futhermore, there are unauthorized inquiries on my credit report that i did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, i do not owe any debt to these entities, and i demand the immediate deletion of the items and inquiries in question to correct my credit report.Please address this matter promptly and confirm the removal of the disputed entries. 

I appreciate your immediate attention to this matter. Sincerely, 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 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2025-02-23 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: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 non-monetary relief
Consumer complaint received 2025-02-23 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

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 2025-02-23 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-List all 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 I looked at my Experian credit report on ( XX/XX/2025 ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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