vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, the account ending in XXXX was opened under an address that is not on my file nor has it ever been my address. Additionally this account was opened XX/XX/year> meaning it has fallen out of the XXXX  XXXX XXXX of limitation of XXXX years. due to the incorrect information being reported my credit has suffered, at the hands of a mistake.

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 2025-02-11 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: FL

Complaint narrative:
Hello, the account ending in XXXX was opened under an address that is not on my file nor has it ever been my address. Additionally this account was opened XX/XX/2020 meaning it has fallen out of the Florida credit statue of limitation of XXXX years. due to the incorrect information being reported my credit has suffered, at the hands of a mistake.

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 2025-02-11 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: FL

Complaint narrative:
Hello, the account ending in XXXX was opened under an address that is not on my file nor has it ever been my address. Additionally this account was opened XX/XX/year> meaning it has fallen out of the XXXX  credit statue of limitation of XXXX years. due to the incorrect information being reported my credit has suffered, at the hands of a mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I dont know how many times I need to bring this up, but I am sick and tired of seeing the same errors on my report. These mistakes are not just small issuesthey are actively lowering my score and blocking important financial opportunities.

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 2025-02-11 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: TX

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX  XXXX - XXXX - {$280.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

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 2025-02-11 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting 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 even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
To whom it may concern : I am extremely frustrated with Barclays, Customer Service, and the Office Of The President. I have called and left you guys several recorded voicemails which I have recorded for my record. In addition, I have sent you guys several emails to this email address as well as messages on XXXX XXXX. 

To this date which is XXXX  XX/XX/year> I have yet to receive a call back from you guys as I have requested. This is absolutely unacceptable. 


I have two claims which I will list the claim numbers below. 

Claim # : XXXX Claim # : XXXX For both claims above, Barclays is stating to me the following : We received the response from the merchant providing details which confirmed that the services were provided as agreed upon. 

Additionally, as the merchants terms and conditions of the service were accepted by you, we determined that we were unable to assist, closed the case, and the provisional credits were reversed. 



However, you have not provided me any documentation regarding 1 ) The merchants alleged terms and conditions which you referenced above nor have you provided me with 2 ) Anything where it shows that I have signed and agreed to these alleged terms and conditions. 



According to my rights as a credit card holder within the United States, this is illegal. You are simply doing nothing but passing the buck. 



I have attached the two most recent documents that you guys have provided to me in response to the complaint I filed with the United States consumer finance. 



I will be expecting a call back at your earliest convenience. Otherwise, I may have to pursue other avenues to address this issue in accordance with my legal rights. 



Thank you, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express gift card was declined on XXXX XX/XX/XXXX at a XXXX XXXX. Later on I called the number XXXX an overseas cheaper customer services and according to him or what he read on his computer screen said that the amount {$100.00} which was the full amount was sent to the unclaimed property in a state. That I had to call them, and there was nothing anyone can do. I had to try to call about that. The expiration date was XX/XX/XXXX and according to the backside it said, " Funds do not expire '' I asked for some contact number but this " customer service '' guy didn't even say anything to help me get some result, other than " you have to contact whatever state in the unclaimed property department. 
I wanted to contact the American Express pre paid gift card XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  {$1300.00}, XXXX  {$4100.00}, XXXX XXXX {$500.00}, XXXX  {$0.00}, XXXX  {$0.00}, XXXX {$0.00}, XXXX XXXX {$180.00}, XXXX {$2500.00}, XXXX  XXXX  {$1300.00}, XXXX XXXX {$130.00}, XXXX XXXX  {$89.00}, XXXX {$610.00}, XXXX XXXX  {$1100.00}, XXXX  XXXX  {$8200.00}, XXXX XXXX {$460.00}, XXXX {$19000.00}, XXXX/XXXX  {$1900.00}, XXXX/XXXX  {$2200.00}, XXXX/XXXX  {$6100.00}, XXXX/XXXX  {$5600.00} 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-02-11 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
XXXX  interest charge fee fees on credit cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I checked my report on XXXX XXXX, XXXX and realized the inaccuracies reporting. XXXX, XXXX , & XXXX are reporting inaccurate late payments with XXXX XXXX XXXXXXXX for XX/XX/XXXX and Mr.Cooper/Nationstar Mortgage acct # XXXX I was never late for any payments with this company. They are fraudulently reporting information that is tarnishing my credit report these accounts needs to be updated to payments on time. I have attached the letter from Mr.Cooper with the correspondence regarding " Covid-19 recovery Standalone Partial Claim '' that I was approved for during the time stated that I was late. This needs to be updated as this was agreement between Mr.Cooper and I, the consumer. Payments were never late, they were deferred due to this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I closed my Citi Custom Cash card and kept another Citi credit card account open. The Custom Cash card appears on the XXXX XXXX XXXXith giant red letters stating " Account Closed, '' which makes it look like it's in bad standing. On the XXXXXXXX XXXX there is an alert on this card directing me to " visit Citi.com from your computer to unlink [ the account ] from your profile. '' Upon doing this, there is apparently no appropriate option, Citi 's help function is not helpful, its chat bot contradictorily tells me you can't unlink Citi accounts online, and I was unable to contact a live representative. Please assist.

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 2025-02-11 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: KY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I'm filing a complaint against TransUnion for failing to properly investigate my dispute regarding inaccuracies on my credit report. Despite my submissions TransUnion consistently responded swiftly that the information being disputed was accurate and did not provide any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. which mandates a reasonable investigation of disputes. TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File N. XXXX ) against them for similar violations. I'm requesting CFPB to take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation as well the removal of inaccurate information on credit files.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing 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 I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I requested to have a verification of debt sent prior to a judgement being placed against me. However, the judgment was placed and I never received a verification of debt to prove I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Credit control services has placed a debit on my credit for {$1400.00} that i have no knowledge about i have consulted them i have also had a XXXX party consult them to no response XXXX XXXX XXXX has placed a debit on my credit for {$1900.00} that i have no knowledge about this account nor have i ever lived at the address listed i have consulted them i have also had a XXXX party consult them to no response My credit has been compromised since XXXX and i have put a lock on my credit and have been getting notification that my information is on the dark web multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SOFI TECHNOLOGIES, INC.
State: NH

Complaint narrative:
On XX/XX/XXXX, I initiated a new loan application and promptly submitted all the required documentation, which was part of a " pre-approved '' 30-day window. However, as I was completing the application, SoFi unexpectedly notified me of a higher interest rate, stating that the refinance amounts had changed. This explanation is inconsistent with the facts, as none of the amounts or my personal details have changed, and no new underwriting data has been provided to justify this rate increase. 

After discussing the matter with SoFi manager XXXX XXXX, I was informed that, despite no changes on my end, SoFi reserves the right to adjust the rate. This was done even after I had selected a pre-approved monthly payment and associated interest rate. I then spoke with two additional managers, neither of whom could provide a clear explanation for the drastic rate increase or what specific details led to the change. 

Fortunately, I was able to take screenshots of each step of my application, as I have been made aware that such rate changes can sometimes be part of deceptive practices. When I reached out to SoFi today at XXXX XXXX, I was left on hold until XXXXXXXX XXXX. During that time, XXXX stated that " no one at the company can do anything since the rate has already changed. '' When I asked to speak with a supervisor, I was told that XXXX was " the end of the line '' and that no further details could be provided.

Company response to consumer: Closed with non-monetary relief