vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
XX/XX/XXXX I was told I was approved by loanDepot,,, now the writer is asking me to come up with a lot of money to close first it was XXXX then XXXX then XXXX if nothing I am going to decline your application

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year> a balance transfer was electronically made on line to a XXXX XXXX service account. Citi Bank claims it was tranferred inot a valid account in my name or a name of a authorized user, at XXXX XXXX. 
On XX/XX/XXXX, My accounts my accounts were comprised to include Best Buy, XXXX, XXXX XXXX and the inidivuals opened a XXXX credit card in the amount of {$900.00}. They were able to get into my email and filter my emails to the trash bin. It was XXXX that brought this to my attention, because we were on the phone and I was not receiving the emails. I filed a police report and the creditors assisted me with the accounts that were hacked accept Citi Bank. I have emailed the police report and have contacted them many times and I filed a report through XXXX and no luck. I have always paid my accounts on time. I can't pay for money I don't have. XXXX XXXX has worked with me trying to find out were this money went, however without an account number were the funds were deposited, XXXX XXXX can't trace were the money went, we are at a deadend. My credit is ruined because of this this fraudlent transaction.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, XXXX, and XXXX, I received payments through PayPal for the sale of a digital artwork. However, PayPal later withdrew the money from my account, stating that the person who made the payment had requested a refund. 

In this context, I contacted the buyer through PayPal 's messaging system, and she responded, informing me that she had not initiated any dispute and that everything was in order with the transaction. 

I then notified PayPal 's customer service about my communication with the buyer, attaching proof of her response. However, PayPal informed me that they could not do anything about it and, unfortunately, withheld the funds from my account, leaving me without money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NJ

Complaint narrative:
I am writing to formally dispute the data breach that has been reported involving [ Transunion ]. I believe my personal information has been compromised as a result of this breach, and I request that you take immediate action to investigate and address this matter. 

I am concerned that how Im affected, such as unauthorized transactions, notifications of breach, or any signs of identity theft. This has caused me significant distress, and I am requesting the following : A full explanation of the breach, including the specific data that was compromised, and how my personal information was involved in. Under applicable data protection laws, I understand that I have the right to dispute this breach and request corrective action. Please provide me with a written response confirming receipt of this letter and outlining the steps you plan to take to resolve the matter. 

If you fail to respond or resolve this issue promptly, I will be forced to escalate the matter to relevant regulatory authorities or seek legal recourse. 

Thank you for your attention to this matter. I look forward to your swift response.

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 2025-03-05 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:
I am disputing fraudulent and inaccurate reporting of a XXXX XXXX XXXX account on my credit report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 requires credit furnishers to report complete, accurate, and consistent information across all credit bureaus. However, XXXX XXXX XXXX has falsely reported my account as a repossession and foreclosure, which is completely untrue.

This account was NOT a repossession or foreclosure. My vehicle was a Lemon Law buyback, and the loan was paid in full by XXXX. I never defaulted on the loan, and the lender suffered no financial loss.

The following false information is being reported : Equifax : Reports the account as " Repossession '' with a balance of {$11000.00}.

TransUnion : Reports the account as " Repossession '' with a balance of {$11000.00}.

Experian : Reports the account as " Foreclosure '' with a balance of {$11000.00}.

These false claims are unlawful and severely damaging my credit. The lender and credit bureaus have failed to verify the truth, leading to confusion and financial harm.

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 2025-03-05 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: CA

Complaint narrative:
I am disputing fraudulent and inaccurate reporting of a XXXX XXXX XXXX account on my credit report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 requires credit furnishers to report complete, accurate, and consistent information across all credit bureaus. However, XXXX XXXX XXXX has falsely reported my account as a repossession and foreclosure, which is completely untrue.

This account was NOT a repossession or foreclosure. My vehicle was a Lemon Law buyback, and the loan was paid in full by XXXX. I never defaulted on the loan, and the lender suffered no financial loss.

The following false information is being reported : Equifax : Reports the account as " Repossession '' with a balance of {$11000.00}.

TransUnion : Reports the account as " Repossession '' with a balance of {$11000.00}.

Experian : Reports the account as " Foreclosure '' with a balance of {$11000.00}.

These false claims are unlawful and severely damaging my credit. The lender and credit bureaus have failed to verify the truth, leading to confusion and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I paid XXXX XXXX a square user and XXXX XXXX {$210.00}, {$200.00} and XXXX via my XXXX XXXX XXXX for services rendered. Square told XXXX XXXX that I XXXX XXXX and my Bank- TXXXX XXXX XXXXXXXX disputed these charges when in fact we didnt. Square removed these amounts from her XXXX XXXXXXXX XXXX account and Fraudulent stated the reason was XXXX XXXX and XXXX XXXXXXXX disputed it. Square hasnt provided proof of dispute and refuses to return the funds to XXXX XXXX XXXX. This is an act of XXXXraud and Defemation of my Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: DC

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XXXX My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thanks, XXXX XXXX XXXX in Need of Deletion : Collections/ Charge offs 1. Account name : 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 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 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 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 2025-03-05 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-03-05 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: Future Judgement Solutions
State: NC

Complaint narrative:
Weekly since XXXX they have called my phone, my husbands phone, my daughters phone and my mothers phone regarding this. Ive asked them via email and phone to send me the information that Ive repeatedly requested. They threaten to send the police every week and I tell them to please do so that I can have the information that Ive requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 2025-03-06 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: PA

Complaint narrative:
Subject : Complaint Regarding XXXXXXXX XXXX XXXX Failure to Investigate Fraudulent Accounts and Reporting of Inaccurate Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX for their failure to properly investigate fraudulent accounts attributed to my name and their continued reporting of inaccurate information to credit reporting agencies. 

The fraudulent accounts in question are as follows : Account Number : XXXX ; Amount/Value : {$4800.00} Account Number : XXXX ; Amount/Value : {$5800.00} The details of my complaint are as follows : These accounts are not mine, and I have no knowledge of their origin. Despite this, they have been reported as closed or charged-offs with balances, causing severe harm to my credit report. 

To address this matter, I provided XXXXXXXX XXXX with all necessary documentation to prove my identity and substantiate the fraud claim, including my FTC Identity Theft Report, a police report, and an affidavit of identity. 

I was informed that the issue was being handled by their legal department ; however, no meaningful investigation has been conducted, and the fraudulent accounts remain unresolved. 

This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ) and has caused me considerable financial and emotional distress. 

I am requesting the CFPB 's assistance to ensure that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thoroughly investigates these fraudulent accounts. 

Removes the inaccurate information from my credit reports. 

Resolves this matter promptly and prevents any future harm to my creditworthiness. 

Enclosed with this letter are copies of all supporting documents, including : FTC Identity Theft Report Police Report Affidavit of Identity Correspondence with XXXXXXXX XXXX Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is required. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
Subject : Complaint Regarding XXXXXXXX XXXX XXXX Failure to Investigate Fraudulent Accounts and Reporting of Inaccurate Information Dear Sir/Madam, I am writing to file a formal complaint against XXXXXXXX XXXX XXXX for their failure to properly investigate fraudulent accounts attributed to my name and their continued reporting of inaccurate information to credit reporting agencies. 

The fraudulent accounts in question are as follows : Account Number : XXXX ; Amount/Value : {$4800.00} Account Number : XXXX ; Amount/Value : {$5800.00} The details of my complaint are as follows : These accounts are not mine, and I have no knowledge of their origin. Despite this, they have been reported as closed or charged-offs with balances, causing severe harm to my credit report. 

To address this matter, I provided XXXXXXXX XXXX with all necessary documentation to prove my identity and substantiate the fraud claim, including my FTC Identity Theft Report, a police report, and an affidavit of identity. 

I was informed that the issue was being handled by their legal department ; however, no meaningful investigation has been conducted, and the fraudulent accounts remain unresolved. 

This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ) and has caused me considerable financial and emotional distress. 

I am requesting the CFPB 's assistance to ensure that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thoroughly investigates these fraudulent accounts. 

Removes the inaccurate information from my credit reports. 

Resolves this matter promptly and prevents any future harm to my creditworthiness. 

Enclosed with this letter are copies of all supporting documents, including : FTC Identity Theft Report Police Report Affidavit of Identity Correspondence with XXXXXXXX XXXX Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is required. I look forward to your prompt assistance in resolving this issue. 

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 2025-03-06 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: Chime Financial Inc
State: AL

Complaint narrative:
I don't understand why I can't get anyone to approve me. My credit isn't that bad. I also been reported someone using my name and getting accounts in my name while I was away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
31 USC 5118 I want to discharge all debt that I did not make I have never done business with any debt collectors because I'm the Creditors 15 USC 1602g so all attempts to collect a debt from a Creditors is not possible I need all debts removed so I can purchase property

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation