vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Re : Complaint Regarding Denial of Credit Report Access Dear Consumer Financial Protection Bureau, I appreciate your time and effort in handling my complaint regarding the inability to access my credit reports from Experian and Equifax. However, I am disappointed that the responses provided by the credit bureaus did not address my primary concernmy repeated inability to obtain my credit report as mandated under the Fair Credit Reporting Act ( FCRA ). 

The responses I received from Equifax and Experian only confirmed the accuracy of my personal information but failed to resolve the issue of why I was denied access to my credit report multiple times. Despite following all proper procedures and verifying my identity, I was still unable to retrieve my credit report, and neither company provided a clear resolution or alternative steps to rectify this matter. 

I respectfully request further review of this issue to ensure that my rights under the FCRA are upheld. Access to my credit report is essential for managing my financial health, and the continued denial without justification is unacceptable. Please advise on any further actions I can take to escalate this matter and ensure compliance from Experian and Equifax. 

Thank you for your assistance. I look forward to your response. 

Sincerely, XXXX XXXX ( XXXX ) 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Re : Complaint Regarding Denial of Credit Report Access Dear Consumer Financial Protection Bureau, I appreciate your time and effort in handling my complaint regarding the inability to access my credit reports from Experian and Equifax. However, I am disappointed that the responses provided by the credit bureaus did not address my primary concernmy repeated inability to obtain my credit report as mandated under the Fair Credit Reporting Act ( FCRA ). 

The responses I received from Equifax and Experian only confirmed the accuracy of my personal information but failed to resolve the issue of why I was denied access to my credit report multiple times. Despite following all proper procedures and verifying my identity, I was still unable to retrieve my credit report, and neither company provided a clear resolution or alternative steps to rectify this matter. 

I respectfully request further review of this issue to ensure that my rights under the FCRA are upheld. Access to my credit report is essential for managing my financial health, and the continued denial without justification is unacceptable. Please advise on any further actions I can take to escalate this matter and ensure compliance from Experian and Equifax. 

Thank you for your assistance. I look forward to your response. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 2025-02-21 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 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 2025-02-21 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US 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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: CT

Complaint narrative:
I am formally disputing the charges and collection account associated with my lease at XXXX XXXX ( XXXX XXXX  ). The unit I was promised before signing my lease was a stainless steel model with new carpet and modern amenities, yet upon move-in, I was placed in an older unit without these promised features. This constitutes misrepresentation and breach of contract under Michigan landlord-tenant law. 

Due to this misrepresentation, I vacated the apartment after paying for the month I stayed, yet I am still being improperly charged and sent to collections. Additionally, I am being wrongfully charged for not painting the walls or cleaning the carpet, even though I paid for professional painting services and have receipts, along with video proof of the unit being cleaned before vacating. These charges are unlawful based on the following 1. Breach of Contract & Misrepresentation Under Michigan law ( MCL 554.601 554.616 ), landlords must provide tenants with accurate lease terms and can not engage in fraudulent or deceptive practices. Since I was placed in a unit that did not match what was agreed upon, my lease should be considered void or terminable without penalty. 

2. Michigan Truth in Renting Act ( MCL 554.631 554.641 ) Landlords can not make misleading statements about rental conditions before signing a lease. 
Any lease clause that contradicts Michigan rental laws is unenforceable. 
3. Michigan Consumer Protection Act ( MCL 445.901 445.922 ) If a business ( including a landlord ) engages in false advertising, deception, or unfair business practices, the tenant has grounds for relief. The act prohibits businesses from misrepresenting goods or services, which applies to rental agreements. 

4. Fair Debt Collection & Credit Reporting Laws Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), inaccurate or unfair debt reporting is illegal. If XXXX XXXX or its collection agency can not prove the validity of this debt, continuing collection efforts or reporting this to credit bureaus would be a violation of federal law. 

Requested Resolution I request the immediate removal of this collection account and any outstanding charges. If this matter is not resolved, I am prepared to escalate my dispute by : Filing formal complaints with the Michigan Attorney General, the Consumer Financial Protection Bureau ( CFPB ), and HUD. 
Taking legal action for damages under MCL 445.911 of the Michigan Consumer Protection Act. 
I expect written confirmation that this debt has been removed within 14 days of this letter. Please direct all future correspondence to me in writing.

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 2025-02-21 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: TX

Complaint narrative:
The following inquiries are fraud. I did not authorize them. 

Inquiry details 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PatientFi, Inc.
State: FL

Complaint narrative:
XXXX XXXX Back in XXXX I signed up for 2 loans that had a promo period before interest was charged. I set up the amounts to auto pay and have both loans paid off before the promo ended XXXX XXXX noticed suspicious activity on my debit card and had to get a new one. Many payments on the card were under investigation by my bank A few weeks later I called Patient Fi to confirm all my payments were good - so if there were any issues I could rectify the situation. The agent assured me all the payments were okay and there were no issues. I asked if they could send me something if that changes. 
XXXX XXXX noticed the payment amount had changed. Between XXXX and XX/XX/XXXX I have reached out to patient Fi about 4-5 times about getting this fixed. 
Was charged over {$500.00} of interest on one account and they are attempting to charge close to {$400.00} on the other account. 
Submitted the payment to pay off the principle amount on both accounts- the one I paid over {$500.00} on interest was accepted but the other was not. I called and they said it was accepted and the payment was fine. 
Spoke to an agent today XX/XX/XXXX who informed me that all the tickets submitted over a month ago about getting the situation fixed were submitted incorrectly. 

This has been an ongoing issue that I have reached out numerous times to rectify and no one at the company seems to know what theyre doing and has handled the situation completely wrong. Their staff is the reason I have been over charged and over paid and it has been over a month and there has been no updates on this they can give me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
They sold my debt to an attorney office and the attorney XXXX XXXX XXXX XXXX. Put in a lawsuit and I negotiated and paid the debt and it was dismissed in court with prejudice. So it needs to be removed because act 623 ( a ) of the fair credit act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
A charge card offer was mailed to my home XXXX bonus points when charges and conditions were met from PNC. Card ending XXXX PNC Business Card XX/XX/XXXX I applied for credit card with offer cod XXXX Charge card received and I made all required purchases. XXXX in purchases in first three months. 

I called on XX/XX/XXXX XXXX told me points would be applied XX/XX/XXXX I called back on XX/XX/XXXX XXXX said no points not applied escalate to manager. 
Since that time I have been given run around and vague emails by XXXX XXXX and XXXX XXXX in their Customer Support Department. 

I am owed my XXXX bonus points from PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: VA

Complaint narrative:
Tesla recently announced a reduction in lease pricing to attract people to buy new cyber trucks. The terms given imply a money factor that is equivalent to about 3.5 % for well qualified customers which generally is for people with credit scores above XXXX. I have a credit score of XXXX and applied for a lease and they gave a rate of 8.45 % far in excess of the advertised rate. When asked for rationale, they gave a generic answer of it depends on credit history and credit of applicant. my credit history is long and my credit score is great, and my rate is still almost triple the advertised rate which does not make sense. It is a total scam in marketing and advertising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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 recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-02-21 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: GA

Complaint narrative:
On XX/XX/XXXX, an individual fraudulently took out a loan in my name from XXXX XXXX. I did not authorize or take this loan out. I did not learn about this loan until it was posted on my credit report as being past due. I have contacted XXXX XXXX several times to dispute the fraudulent loan which has not been resolved. After speaking with XXXX on XX/XX/XXXX on a recorded line, I was given the attached letter on XX/XX/XXXX to provide identity theft documentation, which I mailed to the address provided. I have not received any correspondence that my information was received and that an investigation had begun. I contacted XXXX on XX/XX/XXXX and provided documentation that I did not take out the loans on XX/XX/XXXX. The fraudulent loan from XXXX XXXX was removed from my XXXX report on XX/XX/XXXX after their thorough investigation. I contacted Equifax as well on XX/XX/XXXX and they reported XXXX XXXX was not as cooperative as they hoped. I contacted XXXX XXXX again on XX/XX/XXXX and spoke with XXXX on a recorded line. She informed me that my required documentation was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US 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 explanation
Consumer complaint received 2025-02-21 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: WI

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 2025-02-21 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: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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