vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: CA

Complaint narrative:
I have an active loan with Happy Money. In early XXXX, I was enrolled in a temporary reduced payment plan, which I signed a contract for and understood would end after several months. 

However, Happy Money 's system continued processing my reduced payments for over a year without notifying me that the plan had expired. 

In XX/XX/XXXX, my automatic payments suddenly stopped being withdrawn. When I called Happy Money, a representative stated there was a system issue that affected many accounts and advised me not to manually make a payment because it was still " processing. '' This turned out to be incorrect. I was not contacted again until XX/XX/XXXX, when I was informed that I was now two months behind. 

Happy Money admitted their system was undergoing changes that impacted customers but still placed the burden of correcting the situation on me. I was placed on a new repayment agreement to catch up. However, in XX/XX/XXXX, my auto payment again failed to process even though auto payments were supposedly active, leading to another " missed '' payment and late fees. 

I reached out to Happy Money on XX/XX/XXXX regarding these ongoing issues and received no response. I then sent a follow-up email on XX/XX/XXXX informing them I would be escalating to the CFPB. 

On XX/XX/XXXX, I received a phone call from a representative named XXXX, despite my previous email clearly stating that I preferred to be contacted through email due to my work schedule. 

During the call, I explained that I would not make a payment until my ongoing concerns were addressed, particularly regarding the repeated failure of auto-payments being processed correctly. Rather than offer help or acknowledge the issue, XXXX insisted I make a payment immediately and stated, " Well, XXXX XXXX, when you take out a loan, it is your responsibility to do a one-time payment if it's not processed. '' I found this dismissive and frustrating, especially considering that I was never notified that my XXXX was never withdrawn. I should not be expected to manually catch payment errors caused by Happy Money 's own system failures, especially when I had auto-pay enabled and made repeated attempts to reach out without resolution. 

XXXX then stated that she would be " passing this on to management to get a second, third, and fourth opinion, '' which came across as sarcastic and unprofessional. Her tone made me feel dismissed, and it left me with no confidence that my concerns would actually be escalated or taken seriously. At this point, I do not trust that my issue is being handled appropriately or in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 explanation
Consumer complaint received 2025-05-06 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 2025-05-06 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: DE

Complaint narrative:
Request for Investigation and Removal of Inaccurate Bankruptcy and Related Account Information To Whom It May Concern, I am writing to formally dispute and request an immediate investigation regarding inaccurate and potentially outdated information on my credit report. Upon reviewing my recent credit file, I have identified several entries that are incomplete, unverifiable, or incorrectly reported. 

Specifically, I am disputing the following items : 1. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 4. The status is incorrect for the following account Bankruptcy XXXX XXXXdismissed Case Number : XXXX Please remove it from my credit report. 


I contacted the court directly and confirmed that they do not report bankruptcy filings to the credit bureaus. Please provide documentation on how this bankruptcy was verified, including the party who reported it. If verification can not be provided, I request the immediate deletion of this entry from my credit file. 

The following accounts were included in my XXXX XXXXXXXX bankruptcy and should not be listed with derogatory marks such as Charge-Off or Late Payments after the bankruptcy filing date. They should instead be updated to reflect. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure all information reported is accurate and verifiable. Please investigate these accounts and either correct or remove them accordingly. 

I have attached a copy of my identification and a copy of the bankruptcy discharge paperwork for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following account has violated my rights : There is an account that appears on my credit report which I do not recognize. I believe this account may be the result of potential fraud or an error in the credit report. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX has violated my rights . 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Never Authorized or signed any documents for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the
report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-06 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: GA

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
XX/XX/XXXX. 2025 At XXXX Cashapp Randomly took {$750.00} Out My Bank Account Thats Link to My Cashapp. When I Filed A dispute I was Denied and couldnt reach anyone with any service. XX/XX/XXXX. 2025 I Was Robbed Out XXXX Out My Same Bank Account Thats Link To My Cashapp I filed another dispute and was also denied. I feel so rob out my money because I trust cashapp with my real bank account and they was secretly taking money out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I am filing a formal complaint against CKS Prime Investments , LLC for a serious violation of my privacy and consumer rights. This complaint follows a response I received from XXXX XXXX XXXX, dated XX/XX/year>, regarding CFPB Case Number : XXXX. In that letter, XXXX states that XXXX XXXX XXXX provided them with a phone number to initiate debt collection outreach, which was not mine and led to the disclosure of personal and account information to an unrelated third party. 

This action constitutes a breach of my privacy and a violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly under sections prohibiting the communication of debt information with unauthorized third parties. Not only was my personal information improperly shared, but the third party was also made aware of supposed debt details, which has caused me emotional distress and embarrassment. 

XXXX XXXX XXXX had no legal right or authorization to disclose this information to anyone other than myself. This breach has had a negative impact on my personal and professional reputation.

I am demanding the following actions immediately : 1. A written acknowledgment of the breach and explanation of how it occurred.

2. Permanent deletion and removal of the alleged debt from all systems and records.

3. Assurance that my personal information will not be shared with any third party again without proper verification.

4. Confirmation in writing that this matter has been resolved and closed in full.

Failure to address this complaint adequately and resolve it to my satisfaction will result in legal action. I reserve the right to pursue a civil lawsuit for damages due to this unlawful and negligent handling of my personal data. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I am a victim of identity theft due to the Equifax Data breach. I found two inquires on credit report that I did not authorize XXXX XXXX XX/XX/year> XXXX XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I am writing to formally dispute certain inaccurate information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I am requesting that these items be investigated and either corrected or removed due to their inaccuracy and unreliability. 

The FCRA requires that credit reporting agencies maintain maximum possible accuracy in the information they report. Section 1681e ( b ) states that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. '' Additionally, under Section 1681i ( a ) ( 5 ) ( A ), if an investigation concludes that the information is inaccurate or can not be verified, the CRA must promptly delete that item from the consumer 's file. 

The following accounts are in dispute due to Fraud. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX Please conduct an investigation into these matters and provide written confirmation of the results. If the information can not be verified, it must be deleted from my credit report in accordance with the law. 

Enclosed are copies of supporting documentation ( e.g., credit report, ID, proof of address, statements ) to assist in your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day time period provided by law.

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Subject : Unauthorized Late Fees Despite Attempted AutoPay Enrollment American Express Account XXXX XXXX XXXX  Description : I am submitting this new complaint due to American Express 's inadequate handling of my previous complaint ( CFPB XXXX XXXX XXXX XXXX XXXX Their claim that late fees can not be reversed is misleading and inconsistent with their treatment of longstanding customers in good standing. 

I have been an Amex member since XXXX, hold five active cards, and have no history of late payments or mismanagement. On XX/XX/XXXX, a balance of {$10.00} was due. I believed the account is on AutoPayas all my other Amex cards areso I did not manually make a payment. I rarely use this specific card, which is why I did not catch the error immediately. 

Amex charged me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all outstanding amounts to avoid reporting a late payment on my credit report. 

Amex claims no prior AutoPay was set up and refuses to reverse the fees, stating their system can not do so. However, they routinely issue courtesy refunds and goodwill credits, especially for customers with a strong payment history. Their unwillingness to assist contradicts the spirit of fair consumer treatment and suggests systemic flaws or deterrents in their AutoPay setup process. 

This situation feels predatory {$31.00} in fees on a {$10.00} balance. I request CFPB to review Amexs policy and handling of AutoPay failures, especially when the customer is acting in good faith and has a clean history.

Company response to consumer: Closed with explanation