vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
In XXXX when I received this payment, I was going through a tough divorce and struggling with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Because of this, I decided to resign from my job after nearly 11 years. During this time, I was expecting some funds to be deposited into my bank account. Once I received the money, I paid off most of my debts, but I only made a partial payment on my Mariner Finance loan. My plan was to continue paying it on time each month to improve my credit score. Unfortunately, Mariner Finance did not report my on-time payments over the last six months. As a result, my credit score didnt improve as I had hoped. A few months later, I was unable to find a job for about six months, and my savings ran out, which led to me being unable to continue making payments. I contacted Mariner Finance to discuss a possible settlement to reduce my monthly payment, but the representative was unwilling to offer any solution. As a result, I couldnt keep up with the payments. However, the company was quick to report my missed payments to the credit bureaus, even though they had failed to report the on-time payments I made over the previous six months. Due to this negligence, my credit report has suffered, and I have been denied jobs and credit. I am now in a difficult situation. Just to let you know, I receive Medicaid and Food Stamps because my current salary of XXXX annually isnt enough to cover my immediate expenses, such as rent, utilities, and car payments and food. I'm also a single mom supporting a XXXXXXXX Right now, I'm taking a few courses through XXXX to improve my skills and increase my chances of landing a higher-paying job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App, ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Cosumer Financial Protection Act. 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 ans deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act and Regulation E. These actions have caused significant inconvenience and financial lose, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I contacted customer service for venmo.com at ( XXXX ) XXXX ; My personal email is noted on the account but my old cell number is on files. No option to update or close my account at my end due to the fact they have an old cell number on file. On the website I can not request a passcode to be sent to my email. I spoke with customer service this morning and was told " too many '' accounts were opened in the past ; per tech support and my account was placed on " frozen status '' on XXXXXXXX XXXX XXXX. I am doing my due diligence by escalating the matter here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
Dispute of Inaccurate Account Reporting Request for Deletion To Whom It May Concern, I am formally disputing an inaccurate account that appears on my credit report with TransUnion and Equifax but is not listed on XXXX. The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ] Reported Balance : [ XXXX ] Reason for Dispute : Incorrect/Unverified Account I have no knowledge or record of ever opening this account and request immediate verification per the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). Please provide the following : 1. A copy of the original signed application proving I opened this account. 
2. A full payment history and breakdown of charges.

3. Any supporting documentation verifying my consent to be responsible for this debt.

If you can not provide proper documentation within 30 days, this account must be deleted from my credit file immediately as required by FCRA regulations.

Additionally, because this account is not reported on XXXX, its presence on my TransUnion and Equifax reports raises concerns about inconsistent reporting and potential inaccuracies in your data.

I request a written response confirming your findings and the actions taken. If the account is not properly validated or removed, I am prepared to escalate this issue.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Urgent Complaint Against Experian for Violations of the Fair Credit Reporting Act Experian Deleted My XXXXXXXX XXXX XXXX Account This Account is in good Standing, Now I Don't Have Any Open Tradelines To Whom It May Concern, I am writing to formally lodge a complaint against Experian, a consumer reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that Experian has failed to comply with its obligations under the FCRA, specifically regarding the accuracy of consumer reports, as outlined in 15 U.S. Code 1681e and 607 ( b ).

Experian has reported inaccurate information on my credit report, which is a clear violation of the FCRA. The law mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. However, Experian has not adhered to these requirements, which has severely impacted my creditworthiness. 
XXXX XXXX reports my account to all 3 Credit Reporting Agencies on a monthly basis.

Furthermore, I have substantial evidence indicating that Experian has engaged in " sham investigations '' of disputes I filed regarding inaccuracies on my credit report. Instead of conducting thorough reviews, Experian has dismissed my concerns without proper investigation, thereby violating 1681n, which stipulates civil liability for willful noncompliance. 

Experian has also accessed my consumer credit report without my written consent, further breaching the provisions set forth in 15 U.S. Code 1681a. This unauthorized access is a violation of my rights as a consumer, and I am entitled to pursue legal action against Experian for this misconduct. 

Given these serious violations, I urge XXXXXXXX XXXX  XXXX Investigate this matter as soon as possible. 


Thank you for your attention to this urgent matter. I look forward to your prompt action. 

Sincerely, XXXX THIS IS NOT A COMPLAINT THIS IS FOR YOUR REVIEW AS WELL.

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 2025-03-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Opened a high-value Certificate of Deposit ( CD ) with Wells Fargo . The CD agreement states that it has AUTO-RENEWAL at significantly lower rate, which I do not wish to renew. Wells Fargo will not cancel auto-renewal by phone or in person at the bank, claiming the only way for Wells Fargo to cancel auto-renewal and put my money back into my savings is to send physical paperwork a week before maturity date. I will be traveling for 2 weeks before maturity date and will not be able to receive the physical mail. Wells Fargo practices withholding CD auto-renewal cancellation should be illegal.

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 2025-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI

Complaint narrative:
Ive been paying over $ XXXX since XX/XX/year>. I was less than 7 days late on a payment on my first payment and they repossessed the car. I paid to get it back and have paid monthly without fail and owe more than I originally borrowed. The car is useless now, Ive repaid close to {$4600.00} and borrowed only {$2300.00}. This loan needs to be closed. Payments were supposed to decrease month over month until completed and this has not occurred. Additionally the amount they reflect as owed is more than was financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and found that I have fraudulent activity on the account listed below. I do not recognize this account, my personal information was in a data breach, in addition I have filed identity theft. Attached are supporting documents. XXXX XXXX XXXX has flagged your account as Collections. Please remove this account immediately, and send me an updated report. Thank you for your prompt assistance in this matter.

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 2025-03-02 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:
Victim of identity theft the money was used more likely for XXXX XXXX  or to hide a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-02 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX Union XXXX XXXX, XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number. 
4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-03-02 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: RFNA, LP
State: TN

Complaint narrative:
These credit items should be removed to being 7 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
Dispute of Inaccurate Account Reporting Request for Deletion To Whom It May Concern, I am formally disputing an inaccurate account that appears on my credit report with TransUnion and Equifax but is not listed on XXXX. The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ] Reported Balance : [ XXXX ] Reason for Dispute : Incorrect/Unverified Account I have no knowledge or record of ever opening this account and request immediate verification per the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). Please provide the following : 1. A copy of the original signed application proving I opened this account. 
2. A full payment history and breakdown of charges.

3. Any supporting documentation verifying my consent to be responsible for this debt.

If you can not provide proper documentation within 30 days, this account must be deleted from my credit file immediately as required by FCRA regulations.

Additionally, because this account is not reported on XXXX, its presence on my TransUnion and Equifax reports raises concerns about inconsistent reporting and potential inaccuracies in your data.

I request a written response confirming your findings and the actions taken. If the account is not properly validated or removed, I am prepared to escalate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: King of Credit Financial, Inc
State: CA

Complaint narrative:
recently i looked at a copy of my credit report and noticed several inaccuracies 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 accuracy. 
Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX camacho auto sales inc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: DE

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 explanation
Consumer complaint received 2025-03-02 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: DE

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Im not able to login to my online account with TransUnion. They blocked me and dont allow me an access to my online account and online credit report. The message on the TransUnion website said : Your account is suspended. We're unable to complete your request online. The customer service refused to give me an access to my online account. This is unacceptable service and discriminatory business practice.

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 2025-03-02 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-02 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: TX

Complaint narrative:
To Whom It May Concern : I am writing concerning the above-referenced accounts and transactions. 
This vehicle was repossessed by ( XXXX XXXX ) in the State of ( Your State ) on or about, xx/xx/xxxx, and resold on or about xx/xx/xxxx. 
Under the laws of the State of ( State where the car was repossessed ) UCC ( The states XXXX code ) and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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