vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXXXX/XX/XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXXXX/XX/XXXXXX/XX/year>

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 2025-04-22 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: CO

Complaint narrative:
b'I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH . PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX.\n\nAccount Name: XXXX XXXX XXXX Date Opened XXXX\n\nAccount Name: XXXX XXXX XXXX XXXX - Date Opened XXXX\n\nAccount Name: XXXX XXXX  - Date Opened XXXX  \n\nUNAUTHORIZED INQUIRIES:\n\n\tXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hunt & Henriques
State: CA

Complaint narrative:
My tenants have been harassed by this Debt Collector for the purpose of making my life and the lives of my tenants XXXX. Hunt & Henriques has been harassing my tenants at my property located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/2025 at around XXXX XXXX XXXX. The man working for Hunt & Henriques did not identify himself and proceeded to harassing and knocking loudly and scared my tenants dogs which they have 2. The processor only said he works for Hunt & Henriques didn't properly identify himself, and even admitted to trying to harass my tenants when tenants confronted him and informed him that is not my residence. Hunt & Henriques keeps breaking the law and I will not allow them to violate my rights. My tenants are spooked because Hunt & Henriques used old tactic of harassment. I will filing a formal police report against Hunt & Henriques for violating the privacy and peace of my tenants and the prowess criminal trends of this debt collecting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-04-22 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: LA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DOB : XX/XX/year> SSN : XXXX XXXX XXXX To Whom It May Concern, Subject : Second Submission of Previously Requested Documents DO NOT Reset Dispute Timeline I am writing to inform you that I have previously submitted all the necessary documents regarding my credit dispute. However, I recently received a communication from your office requesting documents that have already been provided. 

I am resending the same documentation with this letter to ensure you have what you need to move forward. Let me be very clearthis resubmission does not reset or restart the original 30-day investigation period that began upon your receipt of my first dispute letter and documentation. As per the Fair Credit Reporting Act ( FCRA ), Section 611, you are required to investigate and respond to a dispute within 30 days of receiving it.

Continuing to delay your investigation by asking for documents already provided is a violation of my consumer rights. Under FCRA 15 U.S.C. 1681i, if a consumer disputes any item of information in their file, the credit bureau must reinvestigate within 30 days and must notify the consumer of the results. 

This letter is a formal request for you to stop stalling and fully investigate the dispute ( s ) I have submitted. I am aware of my rights under the FCRA and Consumer Financial Protection laws, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general if necessary. 

Attached are copies of all previously submitted documents for your convenience. I expect a prompt and lawful response regarding my dispute within the legally required time frame. 

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 2025-04-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DOB : XX/XX/year> SSN : XXXX XXXX XXXX To Whom It May Concern, Subject : Second Submission of Previously Requested Documents DO NOT Reset Dispute Timeline I am writing to inform you that I have previously submitted all the necessary documents regarding my credit dispute. However, I recently received a communication from your office requesting documents that have already been provided. 

I am resending the same documentation with this letter to ensure you have what you need to move forward. Let me be very clearthis resubmission does not reset or restart the original 30-day investigation period that began upon your receipt of my first dispute letter and documentation. As per the Fair Credit Reporting Act ( FCRA ), Section 611, you are required to investigate and respond to a dispute within 30 days of receiving it.

Continuing to delay your investigation by asking for documents already provided is a violation of my consumer rights. Under FCRA 15 U.S.C. 1681i, if a consumer disputes any item of information in their file, the credit bureau must reinvestigate within 30 days and must notify the consumer of the results. 

This letter is a formal request for you to stop stalling and fully investigate the dispute ( s ) I have submitted. I am aware of my rights under the FCRA and Consumer Financial Protection laws, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general if necessary. 

Attached are copies of all previously submitted documents for your convenience. I expect a prompt and lawful response regarding my dispute within the legally required time frame. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am formally disputing the inaccurate personal information listed in the 'employers ' section of my credit report. My CORRECT EMPLOYER is XXXX XXXX XXXX XXXX ' but TransUnion falsely listed XXXX XXXX XXXX  The presence of this incorrect information is misleading, harmful, and has the potential to negatively impact employment, lending, or housing opportunities. This violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of the information they report. 

I demand the immediate deletion of this false employer and correction to reflect my verified employment. I also expect written confirmation and an updated copy of my report once the correction is complete. This is not the first time Ive flagged inaccurate personal data on my file, and the continued failure to correct it raises serious concerns. Ongoing reporting of false information will be considered willful noncompliance under 15 U.S.C. 1681n, for which your agency may be held legally liable.

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland credit management associates have been harassing my wife and family members calling at all hours and days causing stress to my pregnant wife in regards to a debt they can not prove I had with them we have asked them to stop and they continue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: UT

Complaint narrative:
We canceled with XXXX in XX/XX/year>. I did an online chat twice to make sure we didn't owe anything and were fine to cancel. They continued to bill us for months after. When I called them they'd always say they would open a case and call us back. They never called back after us calling them at least 4-5 times. Then they sent us to collections. AMSHER is equally as horrible to deal with. Not responsive and threatened if we didn't pay almost {$600.00}, it would affect our credit. We have been dealing with this for MONTHS and finally paid it but it's not right. We don't and didn't owe XXXX anything. XXXX and AMSHER are horrible companies!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Cash Time Title Loans, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I mailed a Debt Validation Request letter. The letter requested the original creditor 's name and address, a complete account history, including any payments made, a signed agreement or contract proving my obligation to this debt, proof that their agency has the legal right to collect this debt and documentation showing how the amount was calculated. 

On XX/XX/XXXX I received a letter stating the debt was valid. However, the information they provided for the debt validation had the incorrect name, social security number, DOB and contact information. In their response letter, they stated the information was being reported correctly and since the loan was paid as agreed they will update the account by the end of the month.

I called the phone number listed on the response letter ( XXXX ) requesting to have it removed entirely as none of the information matches mine. I was told they can not do so. I also mailed another letter with my request on XX/XX/XXXX and haven't received a response. 

A previous dispute was submitted to the credit bureaus in XXXX, which they stated the debt was valid, even though none of the information matched my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
Ive been denied my dispute if {$340.00} from cash app since XX/XX/year> I never took my flight and received my service.I am demanding a full refund of {$340.00} for a charge made on XX/XX/year>, to XXXX XXXX through Cash App. I never received the service, and I have been trying to resolve this for nearly a year. I attempted to cancel, and XXXX refused to refund me despite not providing any transportation or service. 

This is a violation of my legal rights under the following laws : 1. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq.

I have the right to dispute unauthorized or undelivered services.

2. Regulation E ( 12 CFR Part 1005 ) Requires financial institutions to investigate and resolve disputes within 10 business days.

3. Federal Trade Commission Act ( 15 U.S.C. 45 ) Prohibits unfair or deceptive acts, including keeping a consumers money without providing services. 
4. Arizona Consumer Fraud Act ( A.R.S. 44-1522 ) Makes it unlawful to withhold refunds for undelivered services within the state. 

Cash App has no legal right to withhold my money for a service I never received. I demand a full refund of {$340.00} immediately. If this is not resolved within 7 business days, I will escalate this by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Arizona Attorney Generals Office, and will consider small claims court action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I had on credit card with XXXX XXXX XXXX and I paid it off. A debt collector sent me a statement saying that I owed over {$1000.00} with a different account number would think of Missouri. But only one account was opened. So if theres only one account, how do I owe two? I sent the information and the receipt where it was paid in full but they said to get on here and do this identity theft. Which this is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
See the attached documents. 
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NC

Complaint narrative:
I hope this email reaches you in good health and spirit. Im not understanding why you are holding my check until XXXX and not releasing any funds until then it states by law you have to at least release some funds up to the amount of {$5500.00} on the next business day of the deposit. The check is legit from the IRS from my taxes. I thought it was going to be directed deposit on Friday XXXX per the IRS website thats why I went ahead and paid some bills but instead they mail me the check and I received it today. I do have bills due this week and my water bills is pending in the account can you please release some funds $ XXXX {$2000.00} so I can pay my water bill and the bills that are pending in the accounts. I have been a great customer for years and all the checks I deposit have cleared in the past. Please give me a call at your earliest convenience. Thank you for your time and understanding. Have a wonderful day!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
This is the third time I am reaching out as MOHELA still has not reversed the interest accrued on my loans that were in administrative forbearance and should not have gained any interest. I have submitted my original REPAYE/SAVE application that was approved and processed in 2023 but still nothing has happened. I will continue to escalate this until something is done.

Company response to consumer: Closed with explanation