vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: OH

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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I am uploading screenshots from my most recent credit report which shows the fraudulent charge. Uplift/XXXX  XXXX a derogatory missed payment on my account which has significantly brought down my credit score. I never made this purchase to begin with. The charge is for {$430.00}, opened in XX/XX/XXXX. It says I've " missed '' payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which put my account in derogatory status of " missing '' payments for 30-60- and 90 days. The ending account # of XXXX was never a credit card or account I've ever opened. I searched through all of my transactions around the open date in XX/XX/XXXX for ALL credit cards and checking accounts I have, and the numbers don't match with any accounts I've ever owned. I have never found a payment or transaction for UpliftXXXX XXXX I also have never Uplift 's services, after researching they deal with travel. I never traveled anywhere in XX/XX/XXXX or opened an account with Uplift any time in XXXX. It has now gone into collections with the XXXX XXXXXXXX XXXX XXXX reported XXXX XXXX, XXXX, owed : {$430.00}. I would like the fraudulent collections payment and derogatory marks removed from my credit report immediately. 


I reported this with the police, but did not receive a copy of the report. 
Police Report # XXXX. 
XXXX  dispute confirmation # : XXXX Fraud alert confirmation # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
When I left the military, I was trying to get things in place. I had to stop paying my car loan and notified I was going to be late as I was going to the VA to get my XXXX and all of that just be patient as I knew I would get back pay. My car was repoed. No way I was going to get the car back with no money. Years and years passed, the account is closed and i am still being reported not current. Mind you, I have paid off two vehicles in that time. I am trying to buy a house and I can not have late payments. I called them about this because the account is closed and it has been in repossession since XXXX. The lady said the car was sold ( was not verified ) she sent to a dress I have not lived in for years. She then send it to my current address and says if I pay the amount today of XXXX which the car was sold for, that will satisfy my account. I can not just pay that. It is the only thing hindering me of buying a home. I just would like it deleted as this has been poor communication on their end. This company preys on service member who just get started with their career in service especially families as a car is needed.

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 monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
We, the estate of XXXX XXXX, have been attempting to close a short sale through Citizen 's Bank for the better part of a year now. On every turn, Citizen 's has placed ludicrous roadblocks and not allowed our attorneys to get any closer to the acceptance of the sale. Recently, our short sale was denied due to " liens being on the property ''. Essentially

, Citizen denied the short sale because they stated they ordered title, there are liens on their title, and the liens need to be cleared prior to Citizen providing a short sale approval. Per my attorney, this statement is legally incorrect and patently false.

My attorney ordered title and the only lien issues on it are the Citizen foreclosure activity and the probate matter. The probate matter is cleared with the letters of office given to the bank and the foreclosure will be cleared with a short sale approval letter. Moreover, the closing protocol is to clear title at or by closing. No one has ever heard of a bank requiring liens to be cleared before a short sale approval is given. Why would anyone spend the time, energy, and effort to clear a lien if the bank hasnt approved the short sale? If the bank denies the short sale, the effort will be moot. Their response and handling of our file is totally unethical, utterly ridiculous, and may be bordering on fraud. In good faith, our attorney sent Citizen the title that we will be closing with and there are no major issues. ( See the attached title. ) Every time we have attempted to sell this house ; the bank has denied us for no valid reason at all. They are destroying our last chance to sell this property, and should not be allowed to do so! Please, help us get in contact with them and continue the sale. We need and request more transparency from Citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
My Cash App account and debit card were compromised after my phone and wallet were stolen at a XXXX party in XX/XX/XXXX. I only recently discovered that from XXXX through XX/XX/XXXX, numerous unauthorized transactions were made using my Cash App debit card. 

I reported the fraudulent activity to Cash App twice first in XX/XX/XXXX, and again on XX/XX/XXXX but I have received no refund, no provisional credit, and no meaningful help. 

Cash App has only responded with generic messages stating that my case may take up to 45 days. I explained that I am a 100 % XXXX XXXX veteran, and the stolen money came directly from my VA XXXX payments, which is my only source of income. I have also clearly stated that the only authorized transactions during this period were transfers between myself and my business partner, XXXX XXXX everything else is fraudulent. 

Cash App is violating Regulation E of the Electronic Fund Transfer Act, which requires them to issue a provisional credit within 10 business days of receiving notice of the error, especially since I submitted supporting documentation and made my complaint in writing. 

I have attached my highlighted statements for XXXX through XXXX and requested Cash App investigate XX/XX/XXXX as the statement was not yet available. Cash App has refused to reopen or escalate my case, and has denied me a refund without completing a fair investigation. Their support team also refused to allow me to speak with a manager after closing the case, leaving me with no path forward. 

My case number for my CashApp Support fraud dispute is : # XXXX. Cash App has now closed my case prematurely, stating it has been inactive, even though I replied multiple times and have not received a resolution. Their support team continues to reroute me through their app without addressing the dispute properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-22 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: PA

Complaint narrative:
Account that are old and no longer active. Accounts that have been discharged and sold to a third party.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
Account that are old and no longer active. Accounts that have been discharged and sold to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NV

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-04-22 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: FL

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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My Fiance ' XXXX and I are on the mortgage. Each month, she uses XXXX XXXX to pay our mortgage, and they send a check 10 days to 2 weeks before it is due. They send us a report on " Date Sent, Expected Delivery Date, acheck #, and when it clears, copy of check. 

At the end of XX/XX/XXXX, we received a late notice for XXXX payment. I called Mr Cooper and was told they were having some external mail delivery issues with the post office. Subsequently, I was told they changed delivery address, but some mail was not forwarded, They would investigate where the check went. 

In XX/XX/XXXX, we received another late notice this time for XXXX 's payment and we were now " delinquent '' After a XXXX call they said they rectified the problem and reversed late charges for the 2 months. They did not report the removal of delinquency, and as a result, both XXXX and I took major hits on our credit, which they still haven't cleared up, despite saying it would be done by XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AR

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$19000.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$200000.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6600.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX CARD Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$7000.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5500.00} EQUIFAX INQUIRIES : XXXX  XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax  \nRE: Requesting you Block and Remove Fraud from My Consumer Report\n>I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report  which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c (a), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must\npromptly address such requests within four business days of receiving a complaint that includes the following information:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of $1,000 as specified in\n>15 U.S.C 1692k.\n> Defamation of Character\n>Negligent Enhancement of Identity Fraud\n>Violation of the Fair Credit Reporting Act\n>Violation under 15 U.S. Code § 1681o - Civil liability for negligent non compliance\n>Violation under 15 US Code 1681n (b) - Civil liability for willful non-compliance\n>Failing to comply with 15 USC 1692(g)\n>Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports\n>Under 15 U.S.C. 1681i (7) Method of verification\n>Violations under 15 USC 1681 a (4) right to privacy\n>Violations under 15 U.S. Code § 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated .  Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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 recently received a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-22 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: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-22 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: Exeter Finance, LLC.
State: KY

Complaint narrative:
I have written and send dispute letter to the company and the company isn't responding to my letters, however, keeps updating information to my credit report. That I feel like is INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation