vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive used multiple platforms and paid for assistance for removal of inaccurate information not limited to inaccurate amounts of debts, inaccurate statuses of accounts, removal of old accounts per reporting laws, outdated personal information, unverifiable accounts and removal of closed accounts. This has spanned over 4 years and many of the accounts have been reported as current when they are not.

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 2025-02-08 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. XXXX XXXX XXXX, opened : XXXX, Account number : XXXX, XXXX XXXX, opened : XXXX, Account number 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 2025-02-08 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. XXXX XXXX XXXX, opened : XXXX, Account number : XXXX, XXXX XXXX, opened : XXXX, Account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Associated Credit Services, Inc.
State: TN

Complaint narrative:
Personal information was stolen due to a data breach in the credit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
I applied for, and received a credit card offer from this company with an initial fee of XXXX. Within 6 months I was offered a credit line increase of XXXX in exchange for a fee of XXXX. I agreed and received the increase. One month later the company suspended my account for " suspicious activity ''. They refused to explain what suspicious activity they were referring to. I still owe a balance, which I've paid on time each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-08 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3

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 2025-02-08 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3

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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Thursday XX/XX/XXXX CitiBank blocked access to my account without permission. They then proceeded to say they can not help me until i received a reference code in the mail. Once the code arrived, i spoke to fraud prevention and they said i would gave access back to my account within 15 minutes. It has been over 24 hours since and they have not unlocked my account or given me access to withdraw or transfer the funds from my 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 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Phillips & Cohen Associates, Ltd.
State: NY

Complaint narrative:
To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Account : XXXX IDENTITY THEFT REPORT PHILLIPS & COHEN ASSOCIATES REFERENCE : XXXX DATE : XX/XX/2025 THIS IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: OK

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal 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, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
I am sending this message to the CFPB after already sending an email to XXXX, and XXXX, with no response. I have contacted the XXXX twice as of today, and will be sending a 3rd message today. I sent them the message below, and requested to simply stop charging me from now on and drop the collections. XXXX has replied in not only an unprofessional manner and addressed me with a completely wrong name, they basically stated they were sorry for the inconvenience ; but I have to keep giving them money, which is not right. 

My 1st payment to XXXX of XXXX $ was XX/XX/XXXX. I received the product XXXX of XXXX. I bought this product because ive had bad teeth for a long time and XXXX main advertising was its Lifetime Smile Guarantee branded everywhere, and the ability for touch up aligners if ever needed. Lifetime for me didnt last a year and XXXX filed for bankruptcy in only XXXX of XXXX. Ive paid over half the amount of the total, which is XXXX and ive paid XXXX. More than I wouldve liked to pay for a faulty product and faulty team around it. I am expected to pay the remaining XXXX and have been sent to collections, although Ive done my part of the contract. While XXXX has breached the contract. The Lifetime Smile Guarantee shouldve guaranteed I receive my touch up aligners if needed. 
Stated, Register Aligners at start of treatment. Wear Aligners as prescribed. Complete all regular Smile check-ins. Receive approval from your prescribing doctor. 
Although I was displeased that I had to wait for more months when I knew I needed a touch up, time passed andI then discovered the company files for bankruptcy in XX/XX/XXXX and in XX/XX/XXXX it is bankrupt. Now I no longer have a prescribed doctor to get approval from or XXXX. = no possible touch ups. Stated from XXXX, XXXX would no longer honor its previous commitments to customers, including the LifeTime Smile Guarantee. 
Although I still made my payments as Ive never dealt with this as a young adult that is XXXX XXXX XXXX as of XXXX, I stopped in XX/XX/XXXX because its absolutely not fair to pay for a company that breached contract, has no support team at all, and especially a faulty product ; something I am not very proud about, when I was promised to be secured under the Lifetime Smile Guarantee. Ill still spend money on my teeth in the future because of this. Now I am being sent to collections as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PulteGroup, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I applied for buy a huose con XXXX XXXX she told me that there was a promotion that had already expired but the manager said that if I applied I would keep the promotion and that if the purchase was not made the deposit will be returned to me. 
After we go to the Conditional Loan Approval and send everything required they told me that my loan was denied because I need to prove the deposit of a deposit on an rental house. I told them they the contract for the rental house was on cash and I had enough money in my bank account as they could see in the statements I had sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
Hello, I have not had an update on this issue as of XX/XX/XXXX. In summary, my husband has been on the phone with Mohela for hours from XXXX to XXXX with little to no response to the wearabouts of a check mailed. It has been confirmed cashed by the bank by Mohela. However Mohela can not tell us where the funds are or properly place the amount to my account despite over dozens of phone calls. 

Hello I spoke to agent number, XXXX, XXXX on XX/XX/XXXX from the XXXX XXXX, however she was not able to resolve my issue. I was transferred to the " Resolution Department '' however at that time the call disconnected, please provide an update regarding the issue below : Hello on XX/XX/XXXX a check from XXXX  XXXX XXXX for the amount of {$20000.00} was mailed by my husband from address XXXX was sent for the account " XXXX  '' to Mohela 's XXXX XXXX XXXX  address. However this is the incorrect account number, the correct account number for my account is " XXXX '' This check was cashed on XX/XX/XXXX by XXXX XXXX  XXXX XXXX  XXXX XXXX, Department of Education Mohela . However as of XX/XX/XXXX the amount of XXXX has not been deposited into my account. Please remit this payment to the appropriate account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
The Truth in Lending Disclosure I was provided by the lender discloses a grossly inaccurate APR and Finance Charge. The error is far outside the allowed tolerances. If this transaction was closed, then the lender has committed a crime and if the transaction has been closed, then I have been deceived by the Lender and I rescind the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX AMEX American Express XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Re : Dispute of Credit Report Inaccuracy / Non-Compliance with Section 1681 of the Fair Credit Reporting Act Dear American Express, I am writing to formally dispute an item on my credit report and to notify you of your potential non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681, regarding your responsibilities to ensure the accuracy of information in consumer credit reports. 
I have identified the following inaccuracies on my credit report : -Incorrect account status ; Account number # XXXX opened XX/XX/XXXX Under 15 U.S.C . 1681e ( b ) of the FCRA, you are required to ensure that all information in my credit report is accurate, up-to-date, and complete. It is my belief that the incorrect account status constitutes a violation of the aforementioned statute, as this information is either inaccurate, incomplete, or has not been corrected despite my prior attempts to resolve the matter. 
I request that you promptly investigate and correct the error in accordance with the provisions of the FCRA. If you fail to do so or do not resolve this matter in a timely and appropriate manner, you may be liable for civil penalties under Section 1681o, which outlines the civil liability for negligent non-compliance with the FCRA. 
Additionally, I request that you provide me with the results of your investigation and a copy of the corrected credit report reflecting the changes. Should you fail to comply with the investigation requirements within the time frame specified by the FCRA, I will not hesitate to seek legal recourse. 
Please consider this letter as a formal request for resolution under the FCRA. I expect your response within 30 days from the date of receipt of this letter. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A HARD INQUIRY XXXX XXXX ON XX/XX/2025 I DIDNT RECOGNIZE THINK DUE TO IDENTITY THEFT

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 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid FTC Identity Theft Affidavit ( FTC Complaint # XXXX ), proof of address, and government-issued ID. 
However, Transunion failed to block the disputed items within the required four business days under 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. This complaint, # XXXX, highlights Transunion 's failure to comply with its statutory obligations and disregard for established legal precedent, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX which affirm consumers ' rights to accurate reporting and proper investigation of disputes. Additionally, Transunion 's noncompliance contradicts the CFPB 's XXXX bulletin and demonstrates a troubling pattern of failing to uphold consumer protections under the FCRA.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Request of deep investigation according to my credit records XXXX XXXX, anXXXX XXXX XXXX XXXXXXXX, account are incorrect in amount, type of debt and liability, this account should be remove immediately from my public record since they are affecting my credit development and opportunities of growing. 
I also see some enquiries not made by me and I would like to be review and remove if there is not attach to my person and the enquiries I will mention : XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance Companies - non specific I didn't summit this enquiries and I will need all of them to be removed from my public record, I also have no found record with XXXX XXXX and XXXX XXXX XXXXXXXX with this being said I also need this mark off my records according to the ( FCRA ), also I need a copy of the outcome for this investigation

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 2025-02-08 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:
My information was exposed in a Data Breach by XXXX XXXX XXXX XXXX XXXX. I have charges on my credit report I don't recognize and ask that they be removed. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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.

By : Authorized Agent., Private Civilian Without Recourse/ Without Prejudice All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Not sure who used my social security nunber thru and online card company but thus appears on my credit and I kno its not me bc I wasn't born XXXX which they say they name where

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