vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: MA

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 2025-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IN

Complaint narrative:
I reached out via phone to XXXX financial services in XX/XX/XXXX to inquire about financial aid for the XXXX XXXX XXXX. They advised me that I would not be able to receive financial aid until the summer of XXXX because I only had one class in the spring. When it was time for summer classes, I was awarded financial aid but realized that something was incorrect. I called the school, and they stated they would look into it. A few days later, my aid was gone. I called the school, and they weren't sure what happened and told me they were looking into it. After more than three weeks, on XX/XX/XXXX, I received an email from financial services, that the school made a mistake and said this program was covered by financial aid, but it wasn't. This was three days before classes were to start. 

Another thing to note, they entered false information on the promissory note, as I went to XXXX, not Indiana University. 

Based on the information above this in violate of the Higher Education Act of 1965, false advertising under section 5 of the FTC Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX XXXX XXXX on XX/XX/year>, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX XXXX XXXX on XX/XX/year>, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/year> I submitted a balance transfer from Citi Bank to Bank XXXX XXXX and it was applied to the wrong account. Citi Bank after 9 months of wasting my time still has no resolved the issue and they refuse to take any action to fix it stating the money is transferred and there is nothing they can do because the money went through. 
Bank XXXX XXXX advised I file a missing payment investigation with them and were also unable to help stating they can not confirm where the money was applied to.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: NC

Complaint narrative:
Lendmark Financial Services is violating my consumer rights by still reporting a charge off account that has been cancelled to my credit profile. Lendmark Financial Services is in violation of the FCRA laws 15 USC 1681 S-2 and 15 USC 1681E ( B ). If this is not resolved in a timely manner, I am forced to seek legal action against Lendmark Financial Services for violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NV

Complaint narrative:
PAST MONTHS IVE BEEN SENDING LETTERS TO ALL THREE CREDIT BUREAUS TO CONDUCT PROPER INVESTIGATION EACH TIME INACCURACIES ADDRESSES AND NEGATIVE ACCOUNTS REMAIN ON FILE. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATED CREDIT FILE. AND ALL NEW, OLD INQUIRES. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.

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 2025-04-01 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: TX

Complaint narrative:
I am writing to formally request the removal of an outdated and inaccurate account from my credit report. The details of the account are as follows : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Account Status : Closed Age of Account : 10 years 7 months 21 days Late Payments : 9 Additionally, I have noticed discrepancies in the payment status and reported balance of this account, which I believe are incorrect. The details shown on my credit report include : Reported Balance : {$1000.00} Actual Payment Amount : Not listed Date of Last Payment : XX/XX/XXXX Past Due Amount : {$1000.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX According to my records, the last activity on this account was in XXXX, and I believe this information has been inaccurately reported. Per the Fair Credit Reporting Act ( FCRA ), negative information must be removed after seven years, and this account should no longer appear on my credit report due to its age.

I kindly request that you investigate this matter and remove this account from my credit report as soon as possible. Please provide me with written confirmation of the removal or correction of this information. If further documentation is required, please let me know how I can assist in resolving this issue. 
Thank you for your prompt attention to this matter. I appreciate your cooperation and look forward to your response. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-31 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX, XXXX XXXX XXXX ( ACCOUNT # XXXX ) OPENED ON XX/XX/XXXX. 
- XXXXXXXX XXXX ( ACCOUNT # XXXX ) OPENED ON XX/XX/XXXX. 
- XXXX XXXX INT ( ACCOUNT # XXXX ) OPENED ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was leaked in a data breach. My information was leaked by over 10 different companies. As a result, derogatory accounts have been placed on my credit report along with unknown addresses and phone numbers. I have paid multiple companies over the last few months to help me, but nothing is changing.

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 2025-03-31 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: VA

Complaint narrative:
The information requested was for them to provide a true and certified copy of the complete audit trail of all said accounts and to provide verification through audit certification of the entry of the debt in accordance with g.a.a.p., i.f.r.s., also in accordance with basel 3 accord and the u.n.c.i.t.r.a.l. conventions.

A copy of the companys tax registration certificate was also requested in order to validate the debt.

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 2025-03-31 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: CA

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX XXXX on XX/XX/2023, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX XXXX on XX/XX/2023, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely,

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 2025-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I lost my job due to a XXXX I had called and communicated with global Lending made payment arrangements as I'm waiting for XXXX or XXXX to be approved they agreed for a payment XX/XX/XXXX car was repossessed on XXXX I never received a notice of repossession or anything. I believe I shouldn't be responsible for the balance and it should not be on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
They reported it on my credit report and when I reached out didn't respond. Wasn't willing to work a payment arrangement that worked for my income and pay dates as well as continued to call and harass me by phone, stating they'll take me to court and I'll go to jail for non-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have paid this account off, as of XX/XX/year>, it was paid in full. It is still showing active on my credit report, I have asked several times to have this removed but nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I initially filed a dispute with Chime on [ XXXX XXXX ], i went into my account {$2000.00} was missing from my account going into someone accounts name luckny the charges was unauthorized, i do not know this person so Im not understanding why is my money missing I understand my information i am a victim of identity theft but my money just going missing is ridiculous ]. However, Chime denied my dispute on [ XXXX XXXX ] without a valid explanation or fair review of my evidence. In addition to my unfair dispute denial, Chime has also failed to provide a provisional credit during the investigation process, which violates Regulation E ( 12 CFR 1005.11 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing this new complaint because a prior CFPB complaint I submitted was improperly closed when Cash App claimed it was related to their recent consent order/settlement regarding customer service. 

My issue is not related to past customer service problems. This is an active and unresolved case of fraud involving an unauthorized electronic fund transfer from my Cash App account. 

On XX/XX/year>, at XXXX PM, {$4000.00} was withdrawn from my Cash App account and sent to a XXXX XXXX  XXXX debit card ending in XXXX that was linked to my account without my knowledge or authorization. I did not recognize or approve this card or transaction. 

I submitted a fraud dispute and provided all requested documentation. Cash App denied the claim, stating the transaction was authorized by me or someone I authorized. This is false I never gave anyone permission to access my account, add an external card, or withdraw these funds. 

I followed up via a XXXX complaint, at which point I was contacted by a manager. I again submitted all required details. After review, Cash App issued another identical denial without addressing the facts of the case.

Cash App is violating Regulation E ( 12 CFR 1005.6 and 1005.11 ) by : Failing to treat this as an unauthorized electronic fund transfer Repeating generic denials without evidence that I authorized the transaction Failing to issue provisional credit or conduct a good-faith investigation The fact that they attempted to recover the funds and failed further demonstrates that this was not an authorized or legitimate transfer. 

I am requesting the CFPB require Cash App to reopen this dispute, comply with Regulation E, and reimburse me for the {$4000.00} removed from my account. I am also requesting access to all documentation they used to deny the dispute, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL

Complaint narrative:
I was trying to apply for a loan last week ( XX/XX/year> ) when I was NOTIFIED by the bank agent that there was a collection to my credit report of an amount of {$490.00}. I checked my credit report and it showed a collection from XXXX XXXX XXXX XXXX Florida of an Amount of {$4900.00}. I called them to recieve an explanation and I was notified that it was under a new management. I CALLED THE COLLECTION BUREAU XXXX XXXX to let them know about this collection. When I was living there I let the old management know that I was leaving they said it was fine, they kept my {$400.00} dollar deposit and wasn't notified of debt until now. I left the apartments on XXXX XXXX and didn't know about this " owed '' amount. The collection bureau told me they sent out a letter to me to the direction of the apartment but I did not receive it BECAUSE I WAS NO LONGER LIVING THERE. And the day this became a collection was on XXXX XXXX. I asked them why they didn't send me an email to notify me about this and was giving no answer. If the manager or landlord knew I wasn't living there then Why would they send the information to that address knowing that I won't receive anything. That is not fair to me and it is not okay. The least they could have done was sent me an email with a notice or the manager could have let me know that I was going to owe something. The only documents I have was the approval for the lease of the apartment along with how much it would be monthly and also how much my deposit was.The company that took over this collection also did not notify me of anything until I called.

Company response to consumer: Closed with explanation