vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CDS Debt Relief, LLC
State: MD

Complaint narrative:
I was referred to XXXX Debt relief program by XXXX debt relief program in XX/XX/XXXX. I was told I needed to go through the services with XXXX Debt relief program to get the debt relief loan and payoff my bills ( I did not want to enroll with XXXX, since I was already with another debt relief company XXXX and they were doing a great job, but the attachment Life.accept.let lead me to believe I qualified for their loan relief program ). I was introduced to the owner XXXX XXXX XXXX, he informed me that once I make consecutive payments that in XX/XX/XXXX, I would be eligible for the loan. I was informed in XXXX of XXXX they were going to attempt to settle some debts I had, and this would make the loan easier to obtain. I sent them notices from creditors seeking payment and they never responded to the creditors. On XX/XX/XXXX I sent a letter with my concerns of nothing being done with my account and promises made, and no balance in my account ( see attached ). On XX/XX/XXXX I responded with another email on no contact from XXXX  and why my Smart account had no balance showing in it, after all the payments I had made. I called and emailed with no response ( the answering service would take your number but no one would respond, see attached ). On XX/XX/XXXX I reached out again with no response, so I wrote and emailed my cancellation for the program on XX/XX/XXXX ( attached CDS XXXX ), with no response from XXXX  Debt Relief or XXXX XXXX XXXX I sent the letter certified mail through the United States Postal Service ( XXXX ) ( the letter was returned, unable to deliver after XXXX attempts, attached XXXX XXXX XXXX XXXX  XXXX ). I have also emailed the withdrawal forms to XXXX and they are just ignored ( XXXX XXXX XXXX XXXX XXXX ). 
I have sent complaints to the XXXX ( # XXXX XX/XX/XXXX, # XXXX XX/XX/XXXX ) and the Federal Trade Commission ( # XXXX XX/XX/XXXX, # XXXX XX/XX/XXXX ). 
Now XXXX years later XXXX Debt Relief has hired XXXX XXXX attempting to extort more money from me. Claiming I owe them XXXX {$680.00} dollars and if I don't pay, they will ruin my credit. I have paid off the debt XXXX  was supposed to resolve and never received a refund. They swindled {$5900.00} from me and now are attempting to extort more money from myself and I'm sure others ( see their BBB review ). 
I did not have the money to take XXXX Debt Relief to court. I have resolved my credit issues and XXXX XXXX XXXX is attempting to take advantage of this and swindle more money from myself and others. 
If you can guide me to a solution to bring some justice for myself and others, I would greatly appreciate it. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX, I called Exeter XXXX bank to make a payment after I was told my car was about to be repoed. The agent on the phone ( Exeter finance ) advised me to make a payment to them of at least XXXX months worth so they wouldn't take my vehicle. I only owe XXXX months left on the car before it is paid off. XXXX told me as long as the car wasn't hooked up to the repo truck and made the payment, I would not have to worry about it being reposted. I gave my credit card information and agreed to pay {$1100.00}. 
After payment was made, the repo company still took my car. 
I called Exeter finance back and asked what was going on and to speak to a XXXX. 
The XXXX informed me that the agent wasn't suppose to take a payment from me, and that there was nothing she could do even after I made the payment the previous agent told me to make over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: NC

Complaint narrative:
My identity was stolen, they claimed unemployment, took out loans, accessed my accounts etc. I filed a report, contacted the federal trade commission etc. I started receiving calls from speedy cash, which I have used in the past saying I owed money. I explained the situation and tried asking the person collecting money if I could work something out to prove it was not me. The person I spoke to would not work with me, threatened to take me to court, which I happily agreed to and calls myself and my daughter to threaten to take me to court and go to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of KLS Financial for what they are stating is a medical account. I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having the account. In addition, I have not received a call, text, or email which has furthered my suspicion of this debt that made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was assured by an Apple Card ( Goldman Sachs ) representative that I would not be charged additional interest, but despite this agreement, interest charges were still applied to my account. I contacted customer support, but they refused to honor the original assurance. Another credit provider ( XXXX ) provided me with a 0 % interest plan, yet Apple Card has been unwilling to offer similar support despite my financial situation. 

I request a review and removal of the interest charges, as well as a hardship plan similar to industry standards. Apple Cards misrepresentation and lack of resolution are unfair business practices, and I seek CFPBs assistance in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Stream Innovations Inc.
State: PA

Complaint narrative:
This company has repeatedly misapplied payments to where, despite being given instruction to apply payments to the regular monthly payment amount, they apply them to late fees making the current monthly payment late to which they apply yet another late fee and threaten to charge off the account. This also has increased the overall principal balance of the loan.

Company public response: Company disputes the facts presented in the complaint
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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-02-11 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-02-11 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: OK

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I bought a used vehicle from XXXX and financed it through Ally bank. Before the first payment was due, I refinaced with my credit union. That was over 90 days ago. Ally has since received a check in the amount of {$5000.00} from XXXX due to me. At this point I owed them nothing, but they are holding MY money for XXXX more days. This is after I spoke to several people who's automatic response was that nothing had been received. Not until I escalated after confirming with XXXX that they had my money that they finally confirmed the check was in their possession. 
So my complaint is that I want my money NOW as my loan was paid off over 90 days and I owe them nothing for them to be holding it. Also, the fact that it took several calls today for them to confirm that they had received the check on XX/XX/year>. It is not their money and there was no transparency.

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: WI

Complaint narrative:
Subject : Consumer Complaint Against CFPB, EXPERIAN, EQUIFAX, TRANSUNION FCRA & FDCPA Violations Details of Complaint : I am filing this formal complaint due to the failure of EXPERIAN, EQUIFAX, TRANSUNION to correct serious inaccuracies on my credit report, despite multiple disputes via certified mail. The disputed accounts and details are not verifiable and continue to cause harm to my creditworthiness.

Violations include : 1. Failure to Conduct a Proper Investigation : The CRA has refused to provide tangible proof of verification and continues to update the inaccurate account as " verified. '' 2. Reporting False Information : The creditor is reporting an erroneous balance/charge-off and late payments despite proof of settlement/discharge. XXXX XXXX is fully aware of this willfull inaccuracies being reported XXXX. Merging Multiple Files : My credit report contains incorrect SSNs, merged profiles, and outdated personal information, creating a security risk. AS NOTED # XXXX is inaccurate and every single accounts attached are to be immediately removed permanently without reinsertion. 



I have exhausted administrative remedies and demand immediate enforcement action under the CFPBs regulatory authority. If this is not resolved, I will escalate through litigation and seek damages under the Fair Credit Reporting Act for all parties involved.

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: WI

Complaint narrative:
Subject : Consumer Complaint Against CFPB, EXPERIAN, EQUIFAX, TRANSUNION FCRA & FDCPA Violations Details of Complaint : I am filing this formal complaint due to the failure of EXPERIAN, EQUIFAX, TRANSUNION to correct serious inaccuracies on my credit report, despite multiple disputes via certified mail. The disputed accounts and details are not verifiable and continue to cause harm to my creditworthiness.

Violations include : 1. Failure to Conduct a Proper Investigation : The CRA has refused to provide tangible proof of verification and continues to update the inaccurate account as " verified. '' 2. Reporting False Information : The creditor is reporting an erroneous balance/charge-off and late payments despite proof of settlement/discharge. XXXX XXXX is fully aware of this willfull inaccuracies being reported XXXX. Merging Multiple Files : My credit report contains incorrect SSNs, merged profiles, and outdated personal information, creating a security risk. AS NOTED # XXXX is inaccurate and every single accounts attached are to be immediately removed permanently without reinsertion. 



I have exhausted administrative remedies and demand immediate enforcement action under the CFPBs regulatory authority. If this is not resolved, I will escalate through litigation and seek damages under the Fair Credit Reporting Act for all parties involved.

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: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
At the time I had no credit at all i applied with capital one I received my first credit card to build my credit XX/XX/XXXX with a XXXX dollar limit it built my credit with on time payments shortly after I lost my job and was no longer able to make on time payments this was the only think on my credit and it ran my credit score all the way down it went from a XXXX to the XXXX back up to XXXX from me starting to build it back I applied for a loan for XXXXXXXX XXXX XX/XX/XXXX they said it would only drop XXXX points shortly after that out of know where it dropped all the way down back down with no explanation as to why and its been going up and down still so I just want to see if you all would be able to help me with some type of resolution

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 status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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 deli
vered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section

1637 ( b ). 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 provide
d.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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 deli
vered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section

1637 ( b ). 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 provide
d.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 2025-02-11 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation