vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: AL

Complaint narrative:
Book a hotel room through XXXX using XXXX. I checked into the hotel on XX/XX/year> the room I checked into was dirty. The bed was soiled. The bathroom was disgusting. I called to see if housekeeping can come clean the room or if I could change rooms they said that they were sold out of rooms and that housekeeping would come in the morning. I spoke with the XXXX of housekeeping in the morning around XXXX XXXX. She said somebody was on their way they never showed up. I went to management. The XXXX I checked out of the hotel on XX/XX/XXXX at XXXX. I received a refund from the hotel for my stay in for any amenities used. I contacted Afterpay to tell them that I was disputing the charge because I did not receive the goods I was supposed to stay until XX/XX/XXXX because the dirtiness of the place I left early. I was given a full refund for my stay. 
On XX/XX/XXXX, I submitted the dispute with XXXX. They let me know that they were extending my due date for my next payment until XX/XX/XXXX so that the matter can be investigated today XX/XX/XXXX I check to see if I have updates for the dispute they stated that they signed in the merchants favor and I am to continue to pay. 
Called the starling and spoke with XXXX XXXX the account XXXX. He states that I was given a full refund and that I needed to speak with XXXX regarding the refund return. 
When I spoke to XXXX, they said they no longer have anything to do with it because I disputed it in the first place. I told them that XXXX decided in their favor so I am still paying XXXX and that I need them to release my fund so that I can get a refund. They told me that I would speak to a supervisor then they hung up on me now my calls are being screened and dropped. Ive tried several times to try to talk to someone at XXXX, but they do not have a physical number so Ive been sending emails and chat with no response. They are stealing peoples money. 
I stayed in another hotel after all of this on my day in XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
This XXXX school loan keeps getting passed through too many servicing companies. Now Mohela has my school loans from XXXX and they refuse to update my XXXX  account. It was XXXX approved paid in full on XX/XX/year>. 
Im tired of calling them and experian. Neither one of these entities are updating over XXXX of school loans off my credit report. Its affecting my debt ratio and they both are responsible for my low score and getting denials for new credit. This is absolutely indicative to my ongoing hardship. 
I have sent the official letter to XXXX. 
I dont understand the negligence. I will attach it again on this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
Name : XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the XXXX credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud 4 business days of you receiving this comply fraud within XXXX business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at ( AXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number ( XXXX ), and XXXX XXXXXXXX account count opened at XX/XX/XXXX account number ( XXXX ) XXXX Bank XXXX XXXX XX/XX/XXXX account number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) XXXX Opened date XX/XX/XXXX account number ( XXXX ) that appears related to the account fore mentioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the you which shows the aforementioned fraudulent FICO credit report maintained maintained by you which shows the afo consumer FICO items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud

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 2025-02-20 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: AZ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 16 81 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY, 15 USC 1681 SETION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITEN INSTRUCTIONS 15 USC 1666 B CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 16 81 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY, 15 USC 1681 SETION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITEN INSTRUCTIONS 15 USC 1666 B CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MN

Complaint narrative:
Since 2018 up to present there is a {$2800.00} USD and {$670.00} collection notices keep coming in my mail as well as calling my number saying I owned then which of course I don't know about the debt. I contacted both company and credit bureaus but nothing is working out. at some point the bureaus deleted them but the debt came back with a different agency name and this action is really missing up my credit score.

I will like your guys to look into it and at lease remove them.

thank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.

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 2025-02-20 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.
State: MN

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-20 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: MS

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XX/XX/XXXX To Santander regarding an account balance.

I have file a complaint regarding the balance of the account. In the calculation letter there are a lot of errors and questions Im challenging the account balance. In line one the unpaid balance is {$15000.00} on XX/XX/XXXX. How is this the unpaid balance when on XXXX/XXXX/XXXX the vehicle was sold and the balance on the payment history for the principal was and is listed as {$7000.00}. Before that balance it was {$14000.00} as of XX/XX/XXXX. Then XX/XX/XXXX the vehicle was sold act an auction. The vehicle sold for {$7400.00}. XXXX ( XXXX ) principles without interest. 

The cost to sell the vehicle you guys say it was {$290.00}. I am requesting documentation for that cost. Also you guys took {$290.00} and placed it towards the principle balance as it shows on the payment history. XXXX ( XXXX XXXX XXXX ). I do not understand my charges on the calculation letter for the charge of {$290.00}. That {$290.00} was used as a payment for user allocated payment on the payment history. Why didnt the full {$7400.00} payment make it on the payment history as one whole payment instead of being broken up into two separate payments? The repo fee is {$550.00}, the impound fee is {$720.00}, the auction fee is {$290.00}, and the flatbed fee is {$110.00}. I will need proof of all receipts for each fee that I was given for this amount. 

The misc fee on the payment history say I owe {$290.00} which I believe was a mistake seeing that the {$290.00} was paid as a part of the {$7400.00} shown on the payment history. 

Break this down Principle as of XX/XX/XXXX {$14000.00} Interest that you guys have on the payment history is {$1200.00} XXXX + XXXX XXXX Late fee shown on payment history {$72.00} XXXX XXXX XXXX XXXX fee without the {$290.00} shown on history {$550.00}, {$720.00}, {$110.00} XXXX XXXX XXXX XXXX XXXX Because the history shown that the {$7400.00} was broken into two {$7100.00} & {$290.00} XXXX XXXX XXXX XXXX The ending balance would be XXXX not XXXX When this amount is fixed and all documents that I requested is sent. Then I will consider to talk about a settlement or payment with a deletion. 

By law I have a right to all documents seeing that I am in contract with you. If I need to sue I will follow suit if need be

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-20 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX OF XXXX on XX/XX/XXXX with a balance of {$2600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Removal of XXXX XX/XX/XXXX due to XXXX violation..

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Removal of XXXX XX/XX/XXXX due to XXXX violation..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A wire was sent out on XX/XX/XXXX for {$3500.00} to a company I do not work with. 
On XX/XX/XXXX I reached out to bank of America to process a recall of the wire. As of today XX/XX/year> the issues has not been recall and bank of America has been no help to me as a customer for over 5 years. 

The company that received the wire, I have never done any business with that company and I have no clue who they are. 

I need to have the {$3500.00} returned to me.

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
company constantly calls from unknown number. I have sent letter to prove the debt is mine. Also this company is reporting to my credit report twice and inaccurately.

Company response to consumer: Closed with explanation