vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: OH

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 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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practices which violates the CFPA.

Cash App failed to protect its users including me from fraud leaving my account and personal information unprotected. Furthermore their dispute resolution process was not fair and deceptive as they did not comply with EFTA and regulation E. These actions has caused financial loss and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
Hello there were multiple times where money has been taking out from different states. XXXX XXXX2023- {$6.00}, jan. XXXX, 2023- {$7.00}, XXXX2023- {$59.00}, XXXX XXXX,2023 - {$6.00}, XXXX.XX/XX/XXXX,2023- {$14.00}, XXXX. XXXX2023 - {$10.00}, XXXXXX/XX/XXXX,2023- {$20.00}, XXXX. XXXX2023 - {$14.00}, XXXXXX/XX/XXXX2023 - {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX I am writing to formally file a complaint against Midland Credit Management ( Midland ) for its unlawful and inaccurate credit reporting practices. Midland has been illegally reporting a debt to the credit bureaus that it allegedly purchased fromXX/XX/XXXXXXXX, in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ).

Midland is reporting a debt that is unverifiable, inaccurate, and may be time-barred under the applicable statute of limitations. Furthermore, they have failed to provide proper validation of this debt upon request, as required under 15 U.S.C. 1692g of the FDCPA. Additionally, their actions constitute continued furnishing of disputed and unverified information to the credit reporting agencies, which is a direct violation of 15 U.S.C. 1681s-2 ( b ) of the FCRA.

I have previously disputed this debt with both Midland and the credit reporting agencies, yet Midland has continued to report inaccurate information, thereby harming my creditworthiness. If Midland can not legally verify or substantiate the accuracy of this debt, they must cease reporting it immediately, as per FCRA guidelines.

Given Midland 's pattern of unlawful credit reporting, I am requesting the CFPB to investigate this matter and take appropriate enforcement action against Midland for their non-compliance with federal consumer protection laws. Additionally, I seek the immediate deletion of this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) and demand that Midland cease all collection efforts on this alleged debt.

If necessary, I am prepared to pursue legal action against Midland Credit Management for willful noncompliance under 15 U.S.C. 1681n of the FCRA, which allows for statutory damages, punitive damages, and attorney 's fees.

I appreciate the CFPB 's prompt attention to this serious matter. Please provide me with a written response regarding the steps taken to address my complaint. You may contact me at the information provided above should you require any further details. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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 request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize them and am unaware of their origins. As per USC 1681g, I formally ask that they be removed within 15 days. Please find the enclosed documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Fay Servicing, LLC
State: FL

Complaint narrative:
Attached are documents and correspondences with my mortgage company, Fay Services. Approximately 3 years ago I initiated a partial lien separation. My home was built partially on one of the neighboring lot. As requested of Fay Servicing, the land was surveyed and parceled as within city of XXXX XXXX guidelines. ( I currently have 2 neighboring lots with one deed ). Fay Servicing despite all documents and funds they requested, is refusing to furnish me with my request. Please see all attached documents on USB My land which the home was built on was paid completely for prior to building the home in XXXX. Fay Servicing insist that the land was used as collateral for down payment. With this, Fay Servicing with all supporting documents from the initiation of the loan which staggers there was no down payment -- straight out loan, is refusing to separate the land thus resulting in 2 deeds. 
Fay Servicing approve and disapprove my land separation within one paragraph. ( see attached, USB ). They stated that the funds were not sent in a timely manner, contradicting themselves through several emails. My initial payment was made on XX/XX/XXXX. ( see bank statement in USB and mortgage statement ) In addition, Fay Servicing tacked on {$1800.00} to my mortgage balance due to cancellation of policy. Fay Servicing got forced insurance due to the my insurance dropping me due to an old roof. ( see USB ). A year later, I received insurance through my job where I then cancelled the forced insurance and got full coverage home owners insurance. As soon as I dropped there's, my insurance took place. It was then they tacked on {$1800.00} for not having insurance. 

Another problem with Fay Servicing that I'm having currently is that, if I wanted to make addition payment besides my monthly mortgage payment, they block out disabling me to make additional payment towards my premium. They set up their site where you can't make additional payment during the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this complaint. I have given the credit reporting agencies over 60 days to investigate and fix their Inaccurate reportings on my consumer report. Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. I demand removal of the attached accounts and inquiries at this moment. 
Thank you.

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 2025-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I am 100 % permanent and total XXXX veteran my injuries were were heavily on my mind and believe that I had made the payment on a timely manner I have been in my home for three and a half years and never had this problem before and after this infraction that won't happen again.

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 2025-02-06 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: Experian Information Solutions Inc.
State: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-02-06 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I deposited a XX/XX/XXXX check from XXXX paid out for XX/XX/XXXXXXXX disaster damage. {$4200.00} Truist Bank admits they have the funds in their possession but are withholding the cash from my account for " confidential '' reasons. They have the funds but will not release them to me. That is theft. 
I have been waiting for 4 1/2 months for this relief money. Truist is not being helpful to folks in this area. 
What is suspicious about a XXXX check in a disaster zone? Truist Bank is disgusting!

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXr , SSN : XXXX, Date of Birth:XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : The source ( s ) of information used to verify the disputed items.

Documentation or evidence supporting the verification.

A detailed explanation of your verification process.

If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. 
I have attached a copy of the items claimed to be verified, along with my previous FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America was advertising a {$300.00} bonus to open a new checking account with direct deposit of $ XXXX. Had direct deposit that met requirements but now bank is refusing to give me the bonus.

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 2025-02-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I had aXX/XX/XXXXback in 2018 for less than 6 months. I got my final statement in XX/XX/year>2018 from XXXX. They closed their location and store down via bankruptcy and couldnt pay the card off or anything. I reached out, nothing years later I get a it on my credit report. I had it on my report for almost 7 years now and I dispute it and they constantly confirm that its accurate I never got information on what they have. I never get it to be removed off my report. Its past statute of limitations.. they dropped my credit down XXXX points

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 2025-02-06 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: IN

Complaint narrative:
I had a XX/XX/XXXX back in 2018 for less than 6 months. I got my final statement in XX/XX/year> from XXXX. They closed their location and store down via bankruptcy and couldnt pay the card off or anything. I reached out, nothing years later I get a it on my credit report. I had it on my report for almost 7 years now and I dispute it and they constantly confirm that its accurate I never got information on what they have. I never get it to be removed off my report. Its past statute of limitations.. they dropped my credit down XXXX points

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XX/XX/XXXXXXXX on XXXX XXXX, 2023 with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-02-06 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief