vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Im filling a complaint against cash app ( block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and 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 seek appropriate redress for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
This complaint is in connection with complaint XXXX thru the CFPB. Im writing this complaint after supposedly being issued a check for remaining funds after closing my XX/XX/XXXXXXXX checking account. I was told by XX/XX/XXXX that a check had been sent overnight to me requiring a signature. I never received this check and XX/XX/XXXX admitted that the package was signed for by someone other than me. However, XX/XX/XXXX will not replace this check that has come up missing because they say the check was deposited by me at Wells Fargo bank. And that it is up to Wells Fargo to replace my stolen check. Despite making a complaint againstXX/XX/XXXXXX/XX/XXXXXXXX for this. They continue to blame Wells Fargo and say I have to wait in Wells Fargo to get my money back. Regardless of all my efforts I have received absolutely no proof that this check was in fact ever cashed at a Wells Fargo bank, other than an executive named XXXX from XX/XX/XXXX word. I have requested proof that this check was cashed at Wells Fargo because I dont believe XXXX XXXX I also asked for the Wells Fargo location this check was cashed because Im XXXX XXXX XXXX and have never had a Wells Fargo account and there are no Wells Fargo banks in Ohio at all, which is where I live. So to suggest that I went out of town to a Wells Fargo and somehow cashed this check is ridiculous considering the fact that I literally can not leave my own house because XXXX XXXX. I have never cashed any check at any Wells Fargo. This check was stolen, and my bank XX/XX/XXXXXXXX is putting all the responsibility on Wells Fargo bank say they are the ones who have to issue my money back since the check was cashed at their bank. So I bring this complaint to Wells Fargo asking that this information be provided to me so I can move forward and asking them to refund my money if indeed someone did cash this stolen check at their bank. If this check was not cashed at their bank as stated by XXXX XXXX I ask that I be sent something stating that this check was not cashed at a Wells Fargo so that I may move forward in my complaint against XX/XX/XXXXXXXX who is adamant that Wells Fargo cashed this stolen check

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 2025-02-04 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Due to a data breach from all three major Credit Bureaus my identity has been exposed and used for fraudulent purposes causing major accounts to affect my credit profile.

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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Asked for the written agreement and the creditor failed to provide documentation.and mailed documents I was a victim of identity theft and a certified letter of a affidavit to the collection agency.agree to removed it and failed to do so.and also explained in details how I never open a account with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XX/XX/year> CREDIT COLLECTION SERVICES Subject : Formal Dispute of Inaccurate Credit Reporting Progressive Dear CFPB, I am writing to formally dispute the information reported on my credit file regarding the company referenced above. Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into the reported details. This is not a request for a simple verification ; this is a demand for a complete and accurate review. 

Please be advised that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX for their failure to conduct thorough investigations into consumer disputes. This serves as a reminder that inaccurate reporting and sham investigations are not only unethical, but they are also illegal. I expect you to handle this matter with the utmost attention and care, in compliance with the law. 

I am requesting that you immediately remove the inaccurate information from my credit report. If you are unable to fully substantiate this account, I demand its removal without delay. 

Please provide me with the results of your investigation and a copy of the updated credit report. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I would like to request the immediate removal of the security freeze on my credit report. I am in the process of applying for that requires access to my credit information, and I need my credit file to be unfrozen as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: UPGRADE, INC.
State: TN

Complaint narrative:
I would like to remove the follow inquiry from my credit report. 

upgrade XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I did not authorize this company to run a credit report in accordance with fair Dept collection practices act 15 U.S. CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XXXX XXXX, 2024, I ordered a red dress from an online shop- XX/XX/XXXXXX/XX/XXXX for XXXX and used the Afirrm/Shop pay feature- Buy now pay later. The payments were broken down into 4 equal payments, every two weeks. I have use this service many times before and had no issues. 

After a few week passed, and I didnt recieve the dress... I contacted XXXX and asked wher my order was. I was informed that their were issue getting the shipments out and they only offered an apploogy. 

After that, I contacted Affirm and informed them that I did not recieve the item and I was filing a complaint- as the payments were still owed to Affrim. Affirm open a case to reviewed the issue and informed me that they will report their findings. 

On XX/XX/XXXX i recieved an email from Affirm that they had a resolution with decidec that I still owed to pay for a dress that i did not recieve. I quickly reopened another complaint with Affirm- Case # XXXX and requested that they ask XXXX to present proof of delvery, what carries and the time and date of delivery. I requesting that they do due dilligence to prove to me that the dress was delivered to me- As I know it was not, However, it is impossible for me to prove a negative. 

The buy now and pay later option is a great for consumers, however- the consumer is exposed for the payments ... if the vendor does not deliver the good and the consumer is still responsible for the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

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 XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XX/XX/XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX 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 explanation
Consumer complaint received 2025-02-04 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-02-04 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:
Equifax Information services LLC, transunion and Experian keep letting XXXX XXXX XXXX XXXX report unauthorized accounts to my credit files. The company called XXXX XXXX XXXX XXXX was being dishonest about loan payments I had with them in the past, and they also illegally charged me overdraft fees as well. This company is very deceptive. I keep having to send ftc reports in to the three major credit bureaus and they never block this company from reporting information in my credit reports at my request

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 2025-02-04 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: NC

Complaint narrative:
Equifax Information services LLC, transunion and Experian keep letting XXXX XXXX XXXX XXXX report unauthorized accounts to my credit files. The company called XXXX XXXX XXXX XXXX was being dishonest about loan payments I had with them in the past, and they also illegally charged me overdraft fees as well. This company is very deceptive. I keep having to send ftc reports in to the three major credit bureaus and they never block this company from reporting information in my credit reports at my request

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 2025-02-04 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 XXXX 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/XXXX XXXX XXXX, XXXX. 
on XX/XX/XXXX/2024 with a balance of {$35000.00} 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 explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX XXXX Account Name : XX/XX/XXXXXXXX # XXXX Account Name : XX/XX/XXXX XXXX # XXXX Account Name : XX/XX/XXXX XXXX # XXXX Account Name :XX/XX/XXXXXXXX # XX/XX/XXXX Account Name :XX/XX/XXXXXXXX # XXXX Account Name :XX/XX/XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: NY

Complaint narrative:
I had financed a car XXXX, 2025 through Global Lending as a bank. GLS Lending failed to mail the paperwork on time and I never received any bank statement hence I was unable to make my monthly payment on time which impacted my credit scorXXXX. I called GLS lending on XX/XX/XXXX and spoke to XXXX and she apologized for the delay in packet. She emailed me the paperwork and said I have 15 day grace period for the payment and it shouldnt impact anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
15 U.S.C. 1692c " If a consumer notifies a debt collector in writing that they refuse to pay a debt, the debt collector is legally obligated to cease all further communication with the consumer regarding that debt ''. 

ACCOUNT : USAA FEDERAL SAVINGS B - XXXX ACCOUNT : USAA FEDERAL SAVINGS B - 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Flexible Finance, Inc.
State: AL

Complaint narrative:
I am trying to apply for a flex payment plan for my rent, but I keep getting denied and have not yet received a reason why. I have no negative housing concerns, so I do not understand the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I placed a dispute and they havent remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
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