vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
Tried to use the card XXXX insurance online for the exact amount, and it was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing this compliant to report the negligent FCRA violations of TransUnion, Experian, and Equifax in relation to the egregious number of instances of inaccurate information they have and continue to report on my credit file. 

XXXX XXXX is an account item that is currently being inaccurately reported with a Date of last activity report that is not consistent, reported as XX/XX/XXXX and XX/XX/XXXX, the Date opened : is reported as XX/XX/XXXX and XX/XX/XXXX, the Last payment dates reported as XX/XX/XXXX and XX/XX/XXXX, the Date close : is inaccurate, the Account types are not consistent and the Credit Type is inaccurately reported. I have disputed this item in the past with little to no success, I am requesting that this item be removed from my credit report. 

XXXX XXXX  XXXX, XXXX The information reported regarding this account from all three reporting bureaus has inaccurate information. Which includes the Date opened, the accounting rating, the accounting type, and the payments are all inaccurate and inconsistent. I have and continue to dispute the accuracy of this information, and I am requesting that this item be removed. 

XXXX XXXX  XXXX is reflected on all 3 major credit reports with inconsistencies such as, the Date of last activity - XX/XX/XXXX, the High Balance : {$1700.00}, the Date Opened : XX/XX/XXXX, and the Account Rating is inconsistent. I have and continue to dispute the accuracy of this information, and I am requesting that this item be removed. 
XXXX  XXXX, High Balance not consistent between the three reporting agencies. The Date Opened is not consistent on two of the reports reflecting the dates XX/XX/XXXX and XX/XX/XXXX, and the Last payment date is not consistent XX/XX/XXXX and XX/XX/XXXX I have reported inaccuracies regarding my credit file with both credit agencies and without explanation and with no process and procedure the information was not verified, corrected, and removed for my account without explanation. I have requested that my consumer report be corrected, instead the same inaccurate information remains in my consumer report without explanation. TransUnion, Experian, and Equifax did not do a proper investigation into my disputes, and they failed to remove errors, which continues to threaten my access to credit, employment, and housing.

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: TX

Complaint narrative:
Self Financial is falsely reporting fraudulent accounts ( Self/Lead Bank Acct # XXXX and XXXX XXXX XXXX/Self Acct XXXX XXXX ) on my credit reports despite being notified that I am a victim of identity theft. I have provided an FTC Identity Theft Report, police report, government-issued ID, Social Security card , and proof of address, yet they refuse to remove these accounts. Under FCR

A 15 U.S.C. 1681c-2, they are required to block fraudulent accounts within four business days, but they have failed to do so.

Self Financial admits they do not have my wet signature or a signed contract, yet they claim the accounts are valid based on public records, logins, related accounts, payment methods, calls, chats, and emailsnone of which legally prove I authorized these accounts. Their failure to remove these accounts violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681c-2 Failure to block fraudulent information within four business days after receiving proper identity theft documentation.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable investigation of my dispute.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in credit reporting.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information after being notified of its inaccuracy.

Since Self Financial lacks legal proof that I authorized these accounts, they must be deleted immediately. I request CFPB enforcement action against Self Financial for FCRA violations and financial harm caused by their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2025-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am involved in a monitored claim process with Rocket Mortgage. The initial inspection was completed, and repairs were documented at 90 %. I initiated the request for the second inspection on XXXX. It has been 9 business days since the request for inspection was initiated and I have not received a confirmed date for inspection. All repairs have been completed, and the property is listed on the market, yet Rocket Mortgage is still holding part of my insurance funds without a clear date on when the inspection will be performed and when funds will be released. XXXX XXXX XXXX XXXX XXXX XXXXXXXX I requested to speak with a manager, sent an email to manager on XXXX and did not receive a response. Left a voicemail for the manager on XXXX. Their SLA is 3-5 business days for scheduling the inspection, of which they are now out of compliance. I would like the funds released ASAP as I have documented photo proof that all repairs have been completed, and the property is listed under a realtor on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
EXPERIAN Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

TRANSUNION I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-04 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: NY

Complaint narrative:
EXPERIAN Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

TRANSUNION I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Dispute of Bankruptcy Reporting in Error Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the reporting of a bankruptcy on my credit reports, as it does not belong to me and is the result of an erroneous match due to having the same name as another individual. This bankruptcy is inaccurately reported under my name on my Experian and TransUnion credit reports. 

I have never filed for bankruptcy in my life. I recently visited the U.S. Bankruptcy Court in [ City Name ], and I spoke with a clerk named XXXX, who confirmed that I have no bankruptcy records in the court 's system. XXXX also confirmed that the bankruptcy currently reported on my credit report belongs to another person with the same name, XXXX XXXX, who resides in Ohio. 

XXXX further informed me that the courts do not report bankruptcy filings directly to credit bureaus. Rather, credit bureaus often make errors and report information incorrectly, such as in my case, where another individuals bankruptcy was mistakenly matched to my name. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute inaccurate or misleading information appearing on my credit report. The bankruptcy currently reported on my Experian and TransUnion reports does not belong to me, and as such, I am requesting that it be permanently deleted from both of my credit reports. 
Please investigate this matter thoroughly, as required under the FCRA, and provide written confirmation that this erroneous bankruptcy has been removed from my credit reports. If you can not verify that the information is accurate, the account must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ). 

I expect a prompt response within 30 days from the date of receipt of this letter, as stipulated by the FCRA. Failure to correct this mistake will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for 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 2025-02-05 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 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 2025-02-04 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: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
After a significant credit score increase I called for a credit limit increase on my Home Depot Card. I have been denied a limit increase numerous times. I requested a limit increase of {$300.00} from the current limit of {$200.00} for a total of {$500.00} limit. Citi Bank can't say this is not discrimination because I receive XXXX payments. They didn't even do a credit check for approval of the increase. I was told, " the process wouldn't require a credit check and it would be an immediate decision ''. My Home Depot account is FLAWLESS. Zero late payment, Zero missed payments. A denial for a {$300.00} limit increase can only be viewed as discrimination. A limit increase decision is definitely not considering my account payment history.

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 2025-02-04 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: LEXISNEXIS
State: MO

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Debts were filed on my credit but no validation was sent. I have requested debt validation for two years and no company has responded

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 2025-02-04 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: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
XXXX is violating my consumer rights. They are fraudulently letting CAINE WEINER, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my XXXXecretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and CAINE WEINER to the IRS filling out form 3949- A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XX/XX/XXXX. I attached proof that CAINE WEINER isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that CAINE WEINER pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report. This entry is both incorrect and unjustified, as I have an official letter from the court clearly stating that this bankruptcy should not have been reported. The courts documentation confirms that the bankruptcy does not meet the criteria for inclusion on my credit file, making its presence not only inaccurate but also a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

To make matters worse, this situation has been further complicated by the involvement of an unauthorized third party. Their unauthorized role in this issue raises serious concerns about the integrity of my credit file and the processes involved in reporting such information. This adds an unnecessary level of stress and urgency to the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was at hospital I could no pay my card. Was {$18.00} and I try and explain my situation. The card is been close but now from {$18.00} now is charge me {$270.00} I have no means to pay this amouth do to my health and loose my job. 
I try to negotiate bill but say going keep charge the fee even with the card close

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I received a collection on my credit report from a company I have no knowledge of or interactions with. I have been incarcerated since XXXX until XXXX of XXXX. There was no way for me to even talk to anyone outside prison to setup anything while I was in jail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief