vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX of XXXX I secured a {$12000.00} loan at % XXXX for a new HVAC system for my home from XXXX XXXX XXXX ( Truist ). Since XX/XX/XXXX I've maid 14 payments of {$140.00} a month for a total of {$1900.00}. Out of that amount only {$410.00} went to the principle. Each month the amount of interest gets higher. For example : XX/XX/XXXX the entire monthly payment went to interest nothing to principle, XX/XX/XXXX only {$17.00} went to the principle from the monthly payment, XX/XX/XXXX only {$28.00} went to the principle the rest went to interest. I could go on and on this evidence each month those number change with the bulk of my payments going to interest. Since XX/XX/XXXX I've filed at least 4 complaints with XXXX  concerning this issue and each time I have not received any feed back from the company all I get from them is a delay stating that XXXX XXXX will get back to me within 15 days. As of today XXXX XXXX has not made any attempt to explain the irregularities with my bill or explain why this is occurring. In closing I want to thank you advance for your assistance 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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> NET CREDIT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX Subject : Dispute of Incorrect Information on My Credit Report Dear NET CREDIT, Im writing to dispute incorrect information on my credit report. Specifically : Account Name/Number : XXXX XXXX : This account contains inaccurate information that does not reflect my true credit history.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies and request a thorough investigation.

Please investigate this matter and correct and remove the inaccurate information. My information was compromised doing a data breach Id appreciate confirmation once the issue is resolved. I have no knowledge of an account of consented to one with this company.Ill give you five days to rectify the situation under section 6 0 5 B, or Ill be forced to pursue legal action for damages. Due to your negligence in adhering to compliance requirements, Ive been denied credit cards, auto loans, etc.

Thank you for addressing this promptly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-03-24 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally request the removal of certain closed accounts from my credit report. Upon reviewing my report, I noticed that the following accounts are still listed, and I believe they should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Since these accounts are closed and no longer active, I kindly request their removal in accordance with the Fair Credit Reporting Act ( FCRA ). Removing these accounts would help ensure my credit report reflects the most accurate and updated financial information. 

Please investigate this matter and confirm the deletion of these accounts in writing. If additional information is required, do not hesitate to contact me at the provided details. 

Thank you for your prompt attention to this request. I appreciate your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request the removal of certain closed accounts from my credit report. Upon reviewing my report, I noticed that the following accounts are still listed, and I believe they should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Since these accounts are closed and no longer active, I kindly request their removal in accordance with the Fair Credit Reporting Act ( FCRA ). Removing these accounts would help ensure my credit report reflects the most accurate and updated financial information. 

Please investigate this matter and confirm the deletion of these accounts in writing. If additional information is required, do not hesitate to contact me at the provided details. 

Thank you for your prompt attention to this request. I appreciate your assistance.

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 2025-03-24 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: GA

Complaint narrative:
FCRA Section 605B ( 15 U.S.C. 1681c-2 ) addresses identity theft and requires consumer reporting agencies to block the reporting of information identified as resulting from an alleged identity theft within four business of receiving proof of identity, an identity theft report, and a consumer statement. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX  Balance {$480.00}, XXXX XXXX XXXX XXXX Balance {$740.00}, XXXX XXXX XXXX Balance {$14000.00}, XXXX XXXX XXXX Balance {$10000.00}, XXXX XXXX XXXX Balance {$520.00}, XXXX XXXX XXXX  Balance {$590.00}, XXXX XXXX Balance {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
FCRA Section 605B ( 15 U.S.C. 1681c-2 ) addresses identity theft and requires consumer reporting agencies to block the reporting of information identified as resulting from an alleged identity theft within four business of receiving proof of identity, an identity theft report, and a consumer statement. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX  Balance {$480.00}, XXXX XXXX XXXX XXXX Balance {$740.00}, XXXX XXXX XXXX Balance {$14000.00}, XXXX XXXX XXXX Balance {$10000.00}, XXXX XXXX XXXX Balance {$520.00}, XXXX XXXX XXXX  Balance {$590.00}, XXXX XXXX Balance {$200.00}

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Inquiries : 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 non-monetary relief
Consumer complaint received 2025-03-24 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: CA

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 2025-03-24 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 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 XXXXXX/XX/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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: MD

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-24 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: MD

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Companies involved Cashapp and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX Tx XXXX XXXX My cashapp account was hacked. Hacker transferred money from my bank account into cashapp and then transferred funds to self.In addition they borrowed {$240.00} from loan option on cashapp. At XXXX on XX/XX/year>XXXX  that my notifications had been turned off on cashapp. I immediately opened my cashapp and noticed the transaction. Beginning at XXXX for a bank transfer for XXXX then another also at XXXX {$480.00} they then proceeded to send it to themselves an amount of {$1000.00}. Then @ XXXX another amount was attempted to be transferred from bank to cashapp for the amount of {$600.00} which failed due to not enough money in bank. At XXXX {$200.00} was transferred from bank to cashapp then a second transfer from bank was added also at XXXX for {$100.00} then a 3rd transaction was transferred from bank for {$80.00}. Then a 4th transaction was attempted for {$100.00} which failed then they attempted a 5th for {$50.00} that failed. Then they proceeded to borrow {$240.00} @ XXXX. I messaged customer support at XXXX to dispute with automated system. At XXXX I requested payment back from hacker XXXX XXXX with cash tag $ XXXX. 
On XX/XX/year>XXXX  I called cashapp support again at XXXX they stated that the investigation had been opened and needed to wait 10 business days. I also contacted my bank on XX/XX/year>XXXX  and filed a dispute. On XX/XX/year>XXXX  I was notified by cashapp that my dispute had been denied. According to them device used was in my possession. But my account was accessed by hacker. Cashapp has denied my dispute which I believe they fully did not investigate where the device was located or what kind of device was used. And why so many transactions were made in 2min. And different amounts when transfers failed tried .I have also made a police report case # XXXX with the XXXX police department.XXXX XXXX XXXX has stated that they can not help even if money was fraudulently transferred to cashapp. I have refilled a dispute to cashapp on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-24 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: TN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
IN ACCORDDANCE WITH THE FAIR CREDIT REPORT ACT ACCOUNT XXXX HAS VIOLATED MY RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONCUMER REPORTNG AGENCY CAN NOT FURNISH An ACCOUNT WITOUT MY WRITTEN INSTRUTIONS I HAVE NOT DONE BUSINESS WITH THIS COMPANY, THIS A FRAUD. SHOW ME PROOF OF MY ID, MY SS CARD AND MY SIGNATURE

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-24 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: MO

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 2025-03-24 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: MO

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 2025-03-24 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: UT

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Experian regarding inaccuracies in my credit report. Experian failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Experian did not provide this description within the 15-day timeframe mandated by the FCRA. 

This lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Experian 's practices and enforce adherence to federal regulations to protect consumers like myself.

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 2025-03-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
change of phone carrier and phone number still being charged by old phone carrier even though I removed my information and account.

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