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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-04-22 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 Customer Financial Protective Act ( CFPA ). Specifically, Cash App failed to take timely and effort to measures to prevent an 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 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XX/XX/XXXX purchase XXXX  financed with Ally Auto for {$40000.00} ( included {$4400.00} for platinum service contract ) XX/XX/XXXX XXXX XXXX XXXX platinum service contract. 
XX/XX/XXXX Ally bank posted my check for {$36000.00} to pay off truck ( {$1000.00} over to cover any finance charges ) {$4400.00} from XXXX XXXX should be refunded to me. 
XX/XX/XXXX {$3600.00} plus XXXX posted to pay off total of loan ( includes interest of {$150.00} ) XX/XX/XXXX called XXXX = XXXX XXXX XXXX to check on status of refund. Told that it would be sent to Ally Bank and usually takes XXXX weeks to fully process XX/XX/XXXX XXXX pm called Ally Auto to find out status of refund from them. At first was told no refund was found. When I told them XXXX had sent check # XXXX on XX/XX/XXXX, The check suddenly appeared but had not been posted to my account. I was told it should be received by me by XX/XX/XXXX and if it was not in the mail to call again on XX/XX/XXXX. 
XX/XX/XXXX XXXX called Ally Auto again. Was told NO refund was due to me. When I told them that XXXX had sent check # XXXX on XX/XX/XXXX, they suddenly found the check, but said that it would be at least another XXXX business days before they could post it to my account, in case it bounced. ( 20 days to see if a check bounces???? ) After 20 days it would be another XXXX business days before they would issue me a check, so that I should not expect a check before the middle of XXXX. I asked to speak to a supervisor, and was passed off to the lady that I had talked to the day before who told me to call back on the XXXX. Pretty sure she was not a supervisor! I asked her to connect me to her supervisor. She said she would have XXXX call me in XXXX business days. ( not counting on getting a call ) XX/XX/XXXX XXXX am called XXXX XXXX XXXX. Talked to man in finance office who checked for me that the check had been cashed on the XX/XX/XXXX. So they have had the funds since XX/XX/XXXX and it is now 14 days later. More than long enough for them to process a check to be mailed to me. 
Every time I called I was told that they could not find my account, and then they found it when I insisted they look again. I was put on hold so they could check further. I know they were hoping I would just get frustrated and hang up as the holds were long.

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: Experian Information Solutions Inc.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Click n' Close, Inc.
State: MI

Complaint narrative:
My mortgage company overpaid my taxes almost year ago and sent payment to an insurance company I didnt have an active policy with. This occurred between XXXX and XXXX of XXXX. I reached out and got partially refunded from the insurance policy but they never rectified the overpayment of taxes or the discrepancy left from the insurance payout. I've contacted them on numerous occasions, provided proof of overpayment and explained the situation in great detail. They continue to tell me someone within their company will reach back out to me and I never get a response unless it's about collection of payment.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed information which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements. These remarks have been detrimental to my life and credit health.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
On or around XX/XX/year>, a fraudulent account was opened at XXXX XXXX  in the amount of {$460.00} without my knowledge or consent. This account is the result of identity theft. I did not authorize, open, or benefit from this account in any way.

Upon discovering this, I immediately took the following actions : Filed an Identity Theft Report with the Federal Trade Commission ( FTC ) Submitted a dispute to ChexSystems Provided all required
supporting documentation, including : A copy of my government-issued ID A copy of my Social Security card Proof of address The full FTC Identity Theft Report Under FCRA 605B ( 15 U.S.C. 1681c-2 ), ChexSystems is legally required to block fraudulent information within four business days of receiving a valid identity theft report. The law makes clear that the FTC Identity Theft Report is sufficient on its own, and no law enforcement signature or police report is required ( per FCRA 1681a ( q ) ( 4 ) ).

Despite this, ChexSystems : Refused to block the fraudulent XXXX XXXX account Imposed an unlawful requirement for a police report or officers signature, which is not required by law Conducted a reinvestigation but failed to produce any documentation linking me to the account ( e.g., application, IP logs, or voice recordings ) Additionally, ChexSystems previously accepted my FTC Identity Theft Report to remove a different fraudulent account ( XXXX XXXX XXXX XXXX ), which demonstrates inconsistent enforcement of their policies. 

ChexSystems is now in violation of the following federal laws : FCRA 605B failure to block identity theft information FCRA 611 failure to conduct a reasonable reinvestigation FCRA 616 & 617 willful and negligent noncompliance with federal law I also assert my rights under the following state consumer protection statutes, which further require fair treatment of identity theft victims : California Consumers California Fraud State Notice Connecticut Consumers Delaware Consumers District of Columbia Consumers Georgia Consumers Massachusetts Consumers Missouri Consumers Montana Consumers New Hampshire Consumers New Jersey Consumers North Carolina Consumers North Dakota Consumers Rhode Island Consumers Tennessee Consumers Texas Consumers Vermont Consumers Virginia Consumers Washington Consumers West Virginia Consumers ChexSystems ongoing refusal to follow federal and state law has caused significant harm to my financial reputation. I am requesting that the CFPB compel ChexSystems to immediately and permanently delete this fraudulent account from my consumer file as required 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 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
Ive paid in XXXX escrow. 
They've paid out XXXX I recieved a letter stating my escrow is short approx XXXX. 
They also reported my previous monthly payment as XXXX New payment XXXX Ive been paying XXXX each month since XX/XX/XXXX. 
Just wondering how this is possible? Legal? And what happed to the almost XXXX i paid into?

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: 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 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
I request that you promptly verify or remove the following account : XXXX - XXXX * * - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. 
PLEASE UPDATE TO PAID ON TIME Unknown - XXXXXXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - I have no recollection of this account. Please investigate and remove from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just noticed a credit inquiry from a company Ive never dealt withand I definitely never gave them permission to pull my credit. I didnt apply for anything with them, and I have no idea why they accessed my information.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint title : dispute and request for update of personal information. 

I am submitting this complaint against Experian Information Solutions Inc, regarding inaccuracies in my personal information as reported in my credit report. 

Details of the dispute : XXXX Name : My current legal name is XXXX XXXX XXXX XXXX But it is listed incorrectly on my credit report as XXXX XXXX XXXX also known as XXXX XXXX XXXX Both incorrect names. I request that my name be updated to reflect the correct information. 

XXXX Date of Birth. My correct date of birth is XX/XX/year>. I respectfully request that this date be fully reflected in my credit report, including the month, day, and year as indicated above. 

XXXX : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my SOCIAL SECURITY displaying my correct name. 
A copy of my driver 's license displaying my correct date of birth. 
A Utility bill ( XXXX XXXX ) showing my current address.

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