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

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

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.

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 2025-04-04 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: KY

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

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.

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 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have repeatedly received phone calls from XXXX. Today I picked up the phone and they stated they were suing me for {$6000.00} and adding {$3000.00} for lawyer fees in my county. I asked when they sent me the paperwork, they couldn't respond and said it was mailed to an address I was associated with 8 years ago. They said this debt was sometime between XXXX and XXXX -- but I never had an HSBC XXXX XXXX  account. I have called and asked HSBC, but they don't show me having any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
My federal loans are serviced through Mohela. I have been in an XXXX plan for over 10 years. My current payment is {$0.00}. 

My payment counts have been very slow to update on XXXX website. My payment count stopped at XX/XX/XXXX until I submitted my XXXX  form in XX/XX/XXXX at which time I should have met my 120 payments. My form was finally processed in late XXXX of XXXX and my payment count was updated to include XX/XX/XXXX and no further. I was given credit at that time for 118 payments. By XX/XX/XXXX, my actual payment count should have been 124. 

On XX/XX/XXXX I spent XXXX hours on the phone between Mohela and XXXX trying to figure out why my payment counts were off and why I was not granted credit for XXXX payments. XXXX stated it was a Mohela issue so I called Mohela. Mohela stated my payments are counting and that they have updated the XXXX XXXX XXXX XXXX XXXX and to call XXXX back. I was finally told by XXXX to submit a XXXX reconsideration form. I did so. 

On XX/XX/XXXX I noted my payment count has updated to XXXX, which no payments listed for XXXX or XX/XX/XXXX. I have credit now for XX/XX/XXXX though. I called XXXX and asked why XXXX and XXXX are not listed. They can not tell me why. They just said to wait for the XXXX XXXX, which takes 9 weeks.

During that call I confirmed that 1 ) I am NOT in the XXXX plan XXXX ) I did not have a forbearance on my account in XXXX and XX/XX/XXXX ) That I need to recertify my XXXX since mine expired in XXXX even though my loans should have been finished 6 months ago. 

I have also completed another XXXX Employer certification form in hopes that either the XXXX reconsideration or the new employer certification form will trigger the payment counts to update. Right now, my payment count is 4 months behind and missing 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit is very important to me, and the mistakes on my credit report are getting on my nerves and it's causing me significant stress. There are mixed and fraudulent information on my report that I never authorized or benefited from, and its affecting my ability to secure new credit. I want my credit report to only reflect accurate information, which is why its important that you verify the accuracy of this data rather than relying solely on what the data furnisher has provided. This inaccuracy violates federal law and is unjustly affecting my credit standing. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely. Ive worked hard to build my credit, and its frustrating to see it impacted by errors that aren't my fault. Please resolve this issue immediately to prevent further damage. Please.. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: NC

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

Complaint narrative:
I am writing to formally dispute the inclusion of an XXXX XXXX XXXX account on my credit file that has been reported erroneously by TransUnion. I was inaccurately listed as an authorized user on this account despite not being responsible for it, and instead of removing the account as I requested, XXXX XXXX XXXX XXXX XXXX XXXX have wrongfully assigned me responsibility for it. This is a violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking immediate rectification. 

Details of the Issue Unauthorized Listing : The XXXX XXXX XXXX account is not mine. I was listed as an authorized user without my consent or involvement with the account. 

I have no financial responsibility for this account and have not authorized or been involved in its management or transactions. 

Failure to Remove the Account : Despite my prior disputes, the account remains on my credit file, and TransUnion XXXX XXXX XXXX XXXX actions have wrongly attributed ownership and financial responsibility to me, further compounding the harm caused by this error.

Impact on Credit Profile : This inaccuracy has negatively impacted my credit score and financial credibility, causing harm to my personal and financial well-being.

Relevant FCRA Violations Your failure to address this matter and properly investigate and correct the error violates several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy : Credit reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information included in credit reports. The continued reporting of this inaccurate account constitutes a failure to comply with this standard. 15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information : Upon receipt of a disp
ute, credit reporting agencies are obligated to conduct a thorough reinvestigation of the disputed information and remove or correct inaccuracies within 30 days. Failure to resolve this dispute is a clear breach of this provision.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishers Duty to Provide Accurate Information : Furnishers of information, such as XXXX XXXX XXXX, are required to provide accurate information to credit reporting agencies. Reporting me as responsible for this account without justification violates this obligation.

15 U.S.C. 1681s-2 ( a ) ( 2 ) Duty to Correct and Update Information : Upon discovery of inaccuracies, furnishers are required to promptly correct or update the information provided to credit reporting agencies. This duty has not been fulfilled in this case.

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 2025-04-04 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLIANT CREDIT UNION
State: NH

Complaint narrative:
I received a call from Alliant Credit Union where I have my checking account, via their phone number ( XXXX ) on XX/XX/XXXX around XXXXXXXX XXXX  eastern time. The person on the phone tells me that my debit card was used in the XXXX for {$1900.00}, and that I need to confirm my debit card info with them for them to file a claim. While I'm on the phone, I check my bank account and see this transaction is not there, and become suspicious as the guy on the phone has a heavy XXXX accent, and my credit union always calls with a person from the US. I hang up the phone, can call back the same number, someone from my credit union answers, and I tell them what happened. They tell me this was a spoofed call, and that my bank and debit card are safe. I then continue to receive several of these spoofed calls for the next day or two, from the number above, and another Alliant Credit Union number. ( XXXX ). 

On the morning of the XXXX, I receive a text message from XXXX XXXX saying that some suspicious transactions happened, if I recognize them. I don't recognize these transactions, so I file a dispute, over the phone, and my debit card is cancelled, plus a replacement card ordered. 

Here are the transactions : XX/XX/year> XXXX XXXX XXXX XXXX VA {$32.00} XX/XX/year> XXXX XXXX XXXXXXXX CA {$310.00} ( this one cleared a day later ) I had to call 3 more times after this until they actually mailed my replacement debit card, as they had not ordered one during my initial call, even though they cancelled my original debit card. Finally received the replacement debit card on the XXXX. 

On XX/XX/XXXX, I received an email from Alliant CU that their investigation had concluded, and they found the transactions were not fraud, and I would not get a refund. They did not provide any further information. I called back and asked for a supervisor, ( XXXX XXXX- XXXX ) who told me he would escalate with the fraud department. I told him, I have a ticket master account, but I did not have any transactions there, and I never had my debit card linked with them as I use XXXX. 

A few hours later, he replied via email that Alliant CU 's Fraud department suggested I call XXXX XXXX ( the company with the {$32.00} charge above ) to file a claim for the {$310.00} charge, and they would provide a refund. That would mean I would still be out the {$32.00} however. I did not buy this insurance or anything on ticket master. Why would I make use of a service I did not authorize? 

Alliant Credit Union has not been helpful, even after I notified them of the spoofed spam calls, multiple attempts to provide further information, shared screenshots of the call history with the spoofed calls. Yet, they want to pass the buck and not deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: MD

Complaint narrative:
What happened? 

On XX/XX/year>, I received confirmation from XXXX XXXX XXXX ( XXXX ) that my account ( Account # XXXX ) was paid in full. The total amount paid was {$820.00}, which cleared any outstanding balance. However, on XX/XX/year>, I was charged a {$25.00} late fee despite my account showing a {$2.00} credit after my payments on XX/XX/XXXX. 

Following this, I began receiving conflicting information about my account balance. On XX/XX/year>, XXXX stated the payoff amount was {$91.00}, yet I later received notices indicating a past due amount of {$220.00} and an account balance of {$120.00}. 

I contacted XXXX multiple times requesting clarification and documentation regarding these discrepancies, including evidence of alleged chargebacks that my bank has no record of. I asked for a detailed account history, including payments received and any fees applied. Despite my requests, I have not received satisfactory responses, and the inconsistencies remain unresolved. 

I expect transparency and a clear resolution regarding these charges and discrepancies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have closed my account but was told it was a federal regulation to give a reason why I was closing my account. She said that if the field wasn't populated then they get a strike on the federal review.

I had to give a reason or they couldn't close the 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 non-monetary relief
Consumer complaint received 2025-04-04 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: NC

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 explanation
Consumer complaint received 2025-04-04 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: NC

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
Consumer complaint received 2025-04-04 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: CA

Complaint narrative:
I am making this complaint because I had made a purchase from XXXX for a portable washing machine on XXXX you XXXX 2024 and canceled the order shortly after, also on XX/XX/XXXX. The item never shipped and I was due to get a full refund in which Cash app claims they sent me back to my Cash App card but the balance was never credited to my account that day or during the period of time they said it had to process the refund. I have attached my statement for that period For you to review. Both Cash app and XXXX have said I have been refunded but I never saw the money credited back.

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

Complaint narrative:
Despite my previous efforts to dispute this information with the credit bureau, I believe they have failed to properly investigate or verify the information as required by the FCRA. I have not received sufficient documentation or a clear explanation of the verification process they followed.

I am requesting that the CFPB investigate this matter and take appropriate action to ensure compliance with the FCRA and that the credit bureaus are held accountable for properly verifying information as required by law.

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 2025-04-04 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I tried to verify my Cashapp account ; first using my debit card ( verification was successful ), then I was asked a few seconds later to verify using my drivers license and a photo of me ( verification unsuccessful x 2 ). I contacted cashapp support and I was told " that the documents were submitted successfully '', and that was it. My account was still closed, I got no answer about recovering my account, and that was it. Now I have a new Cashapp ( third new account ) and have to start over. I used my account to pay my rent and other things.

Company response to consumer: Closed with explanation