vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This account is being reported inaccurately and may involve an attempt to collect an incorrect or unverified amount. The balance listed ( {$9500.00} ) is neither explained nor supported by any documentation Ive received. Additionally, the account includes a vague term XXXX XXXX  and is categorized as an Open Account with Joint Responsibility, which I do not recall ever authorizing or signing for. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), information furnished to consumer reporting agencies must be accurate and complete. Reporting unclear or misleading account structures ( such as a XXXX XXXX  or factoring company account with no provided explanation or supporting documents ) violates this obligation. 
Furthermore, under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the debt and request validation. I have already requested this information from the reporting company and/or creditor, and I have not received any evidence or contract to support the amount owed or the account terms. 
I am requesting that this item be fully investigated. If the reporting company can not provide clear, complete, and lawful documentation, including the proof of my consent to the joint account, the calculation of the amount owed, and what XXXX XXXX  means then this account must be corrected or deleted from my credit report in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-30 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
My name is XXXX XXXX I went to look on my Rocket mortgage dashboard about my loan and seen it was removed so I contacted XXXX XXXX the XXXX XXXX XXXX she said on XX/XX/XXXX XXXX removed my loan stating somebody contacted him saying I went with another company which is a lie I was price checking which I am allowed to do for best options so I told XXXX that I never spoke to XXXX at all & he illegally removed my loan then XXXX told me she talked to XXXX XXXX 's XXXX & they could reopen it then XXXX called back XXXX or more minutes later saying the company is refusing to reopen my loan even though I have paid alot of money on the property & appraisal & inspections that rocket has requested & XXXX told me their final decision was not to reinstate my loan when XXXX closed it without ever speaking to me & my close date was set for XX/XX/XXXX & he removed my loan XX/XX/XXXX & XXXX was also told about issues with appraisal & How I spoke with XXXX XXXX & they told me they was requested to put things on the paperwork that they didn't want to for a conventional loan they was told to put down all repairs he seen and mark the box they needed repaired before closing then there's a deck & XXXX the appraiser told them it's not an addition just a deck & solidify & rocket told him to mark claiming it was an addition but XXXX made comments on appraisal that it is just a deck not addition then XXXX put in tasks that I needed a structural inspection on rear deck cuz appraiser said it's addition this was before XXXX removed my loan he has done alot of scammy things and he needs fired and lose his broker license. I have tried talking to XXXX explaining everything but she said there's not alot she can do she did tell me they would address XXXX removing my loan without talking to me ever & said they could go back to appraiser and see what's going on but only if loan was reopened then called saying the company rocket is refusing to reopen my loan I have paid money to this company and done ALL the things they asked & requested & If they are not reopening my loan I want all of my money back for everything I paid for that they wanted .. this is illegal what they are doing and causing REMOVING MY LOAN WITHOUT TALKING TO ME OR GETTING ANYTHING FROM ME IS WRONG. I was NEVER contacted at all XXXX just did what he wanted without anything from me. This XXXX XXXX does not deserve to keep his XXXX license & Rocket is allowing this person to treat customers this way & not do anything about it .. this is just the recent complaint there is the previous one I made a few weeks ago & I believe that is why XXXX XXXX really removed my loan due to the previous complaint I made against him over him lying this is his retaliation removing my loan & rocket is allowing this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-30 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: LA

Complaint narrative:
As a consumer who is adamant about my financial success and well being, I am infuriated that I have not been able to access my credit report for a year now. Absence of my credit information from your bureau is damaging to my credit and impacts my financial health negatively. I have tried to get to the bottom of this situation to no avail. I am unable to obtain loans and credit from my report being unavailable. This is a direct violation of the Fair Credit Reporting Act and I demand it to resolved 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 2025-05-30 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: LA

Complaint narrative:
As a consumer who is adamant about my financial success and well being, I am infuriated that I have not been able to access my credit report for a year now. Absence of my credit information from your bureau is damaging to my credit and impacts my financial health negatively. I have tried to get to the bottom of this situation to no avail. I am unable to obtain loans and credit from my report being unavailable. This is a direct violation of the Fair Credit Reporting Act and I demand it to resolved 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 explanation
Consumer complaint received 2025-05-30 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: IN

Complaint narrative:
MoneyLion is reporting a {$1000.00} installment loan as charged off on my credit report. However, I never received any loan funds or disbursement. I believed I was signing up for a credit builder product, where I would make regular payments to build credit, not receive a loan. 

I disputed the account through XXXX, but it came back as verified, with no evidence provided to support disbursement of loan funds. I have checked my personal bank records and never received any deposits or access to this loan. I believe this account is being misreported as a defaulted loan when no money was ever issued to me. 

This is inaccurately harming my credit and reducing my access to critical financial tools like auto financing. I am requesting either verified documentation of loan disbursement ( account and transfer information ), or full removal of this account from my credit reports. 

Thank you for your help in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/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 2025-05-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint to EXPERIAN was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The Chase Freedom Unlimited card advertised a {$200.00} bonus after spending {$500.00}. I clicked on the ad with that offer and met the terms by spending the money. Now, they won't reward the bonus. When I contacted customer service, they accused me of asking for a " new '' offer, and won't explain why they aren't honoring the offer indicated in the ad I clicked on when I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Asset Recovery Solutions, LLC
State: NY

Complaint narrative:
On XX/XX/year> the debt collection agency called me to collect a payment. I had previously made payments using a different card, but this was the first time using a new card. During the call, I began providing my card information, but the call disconnected before I gave the XXXX CVV code, and I was not asked to confirm or authorize the payment. 

Despite the incomplete call and lack of full consent, the company withdrew {$84.00} from my account the same day. I did not authorize the transaction, and I was not contacted to confirm the charge. 

On XX/XX/year>, the agency called again and claimed the payment had been rejected. I explained that I could see the transaction in my bank account and that it had gone through. The representative insisted it was rejected. I asked to speak to a supervisor, was placed on hold, and then the call dropped. No one called me back. 

I contacted my bank, and they confirmed the charge was successful. I never received a receipt, confirmation, or written notice of the transaction. I believe this charge was unauthorized and may violate the Electronic Fund Transfer Act. The companys refusal to properly acknowledge the issue or follow up has made me feel taken advantage of and disrespected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a fraudulent withdrawal of {$2000.00} that was made from my Chime account on XX/XX/year>, without my authorization. 

On that date, I received a phone call from an individual claiming to be a representative of Chime. This person had access to sensitive details about my account, which led me to believe the call was legitimate. They informed me that a temporary withdrawal of {$2000.00} would occur and that the funds would be returned within XXXX hour. However, the money was never returned. 

I did not authorize this transaction, nor did I voluntarily approve the withdrawal of these funds. This incident is a clear case of fraud and identity abuse, and I am requesting an immediate investigation and a full refund in accordance with the protections granted under the Electronic Fund Transfer Act ( EFTA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-05-30 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: TX

Complaint narrative:
I am truly needing assistance regarding unauthorized credit inquiries listed on my Experian credit report. I have no accounts tied to these inquires. 
initiated by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
initiated by : XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries have appeared without my consent or any application for credit, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumer reporting agencies are required to ensure the accuracy and privacy of the information they report, and credit inquiries should only occur with the explicit consent of the consumer or under permissible purposes as outlined in Section 604. The presence of these unauthorized inquiries is not only troubling but also potentially harmful to my credit score and financial reputation. 

I have disputed these entries with Experian and reached out directly to XXXX XXXX XXXX XXXX XXXX XXXX XXXX seeking evidence of any application or authorization, such as a signed consent form. Unfortunately, neither Experian or XXXX XXXX has provided satisfactory evidence or documentation confirming my authorization for these inquiries. Despite my efforts, these inquiries remain on my credit report, unaddressed and unresolved. I'm fearful that someone is using my name to apply for credit. 

These unauthorized inquiries are adversely impacting my credit score and, by extension, my financial health. As a consumer, I am entitled to accurate credit reporting and protection against unauthorized actions that compromise my creditworthiness. 

I respectfully request the CFPB 's intervention to ensure that : XXXX. XXXX XXXX XXXX is required to produce evidence of my consent for these inquiries or remove them promptly if no such consent exists. 
XXXX. Both parties comply with FCRA regulations and correct any inaccuracies in my credit report without delay. 

Attached to this letter are copies of my Experian credit report with the highlighted inquiries and records of my previous correspondence with Experian and XXXX XXXX XXXX XXXX 

I trust that the CFPB will address this issue promptly, ensuring adherence to federal regulations and safeguarding my rights as a consumer. Thank you for your attention to 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 2025-05-30 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: IN

Complaint narrative:
I took out a small business loan through XXXX XXXX XXXX in my business name. Things didnt work out & Transunion placed a derogatory account from the XXXX on my personal credit report. I disputed the account asking for a full investigation as to why this account was placed on my personal credit. I did not receive any documents only that it was investigated as being accurate. Furthermore, XXXX XXXX XXXX placed several deposits into the bank account from collateral sales & alter damus deposits totaling {$170000.00} as well as wrote off {$46000.00} of the $ XXXX business loan. No one from the XXXX or XXXX ever kept me in the loop as to how this entire process works. And then suddenly I received a $ XXXX derogatory business loan status on my personal credit. The XXXX says if you have any issues regarding the loan contact the lender and not them!

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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA SAVINGS BANK DECIDED TO CLOSE MY ACCOUNT WITHOUT NOTICE, I HAVE A MEDICAL HEALTH CONDITION AND I NEED MY FUNDS RELEASED TO ME THEY STATED IT CAN TAKE 60 DAYS BUT I CAN NOT WAIT THIS LONG I HAVE FINANCIAL OBLIGATION AND THEY CAN NOT WITHHOLD MY FUNDS WHICH ALL OF IT IS FROM MY EMPLOYER DIRECT DEPOSIT. THIS IS UNFAIR AND INHUMANE

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