vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX 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 2025-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Took out a line of credit, however Inhave never used it and don't know how to use it. I can't get in contact with them. When you call it says " wait time is XXXX minutes " They take out {$83.00} a month, but I have never used them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-03-27 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: MD

Complaint narrative:
I am reaching out because my report contains multiple errors that are unfairly damaging my scores. These inaccuracies are preventing me from accessing financial opportunities, and it is unacceptable that I have to deal with this situation.

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 2025-03-27 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: MD

Complaint narrative:
I am reaching out because my report contains multiple errors that are unfairly damaging my scores. These inaccuracies are preventing me from accessing financial opportunities, and it is unacceptable that I have to deal with this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I CAN'T REMEMBER THE DETAILS THIS MIGHT HAVE BEEN A JOINT ACCOUNT YEARS AGO I DO NOT OWE XXXX  OR ANY ONE ELSE ANY MONEY WHATSOEVER I DO NOT HAVE ANY ACCOUNTS WITH ANY OF THESE COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-27 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: HI

Complaint narrative:
On XX/XX/XXXX I used my Affirm Visa Card to purchase a two-way ticket from XXXX 's XXXX the Merchant ) Website. However, on the day of the flight, XXXX XXXX ( which XXXX listed in my itinerary ), me and my husband we were on time for boarding. However, we were denied to board the flight. I was carrying a duly official Travel Documentation by the XXXX XXXX in lieu of my passport, and my husband has a valid XXXX XXXX. We were denied and cancelled from the flight even other airlines were accepting us. Affirm refused to refund me the charges for the cancelled flight. I worked out with them. I provided them evidences that the XXXX failed to deliver goods as agreed. My dispute up to now is unresolved and most likely they will post delinquency on my account when I am willing to pay them half of the amount or for the cost of flight from XXXX back to XXXX. Further, I have a XXXX that XXXX XXXX violated. I am being charged for the two-way flight that made me suffer severe anxiety on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX I tried to work out things with Affirm. But to this day, the dispute is not moving and I have to payments marked past due. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: Nelnet, Inc.
State: NY

Complaint narrative:
I spoke to their agent named XXXX on XXXX XXXX. He confirmed Nelnet did not notify me of the status of the account while the account changed from SAVE PLAN to forbearance and he put a complaint/note on the system that Nelnet must remove the interest accrued while they failed to notify me of my account status. 

He also wrote a comment for Nelnet to place my account back on SAVE PLAN. 

He also acknowledged the ongoing issue with loans placed by XXXXXXXX XXXX while I wasnt their student.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been receiving daily phone calls from MCM ( Midland Credit Managment ) for the past five months concerning an alleged debt. Despite my repeated requests, they have not provided proper verification of the debt. On XX/XX/year>, I sent a formal dispute letter to MCM asking them to verify the debt in question, as I am entitled to do under Section 809 of the FDCPA. To date, they have not responded to my request, nor have they provided the requested verification. I have sent XXXX more letters which they have ignored. In each letter asking them to stop calling me. 

I have asked MCM to cease contacting me by phone multiple times, as allowed by the FDCPA. However, instead of respecting my request, they continue to call me persistently, escalating the frequency of calls, which I consider harassment. This behavior has caused me undue stress and anxiety. They even call me at night. 

Under Section 809 of the FDCPA, I requested verification of the debt, and MCM has failed to provide it.

Harassment and abuse : Under Section 806 of the FDCPA, debt collectors are prohibited from harassing or abusing consumers. MCM 's repeated calls, despite my request to stop, are a clear violation of this rule. 

Failure to honor my request to stop calling : Under Section XXXX of the FDCPA, I have the right to request that MCM cease calling me, and they have ignored that request. 

I respectfully request your assistance in investigating this matter and taking appropriate action to ensure that Midland Credit Management complies with the FDCPA. I am seeking the following resolutions : A formal investigation into MCM 's violation of the FDCPA.

An order for MCM to cease contacting me, either by phone or otherwise, until they provide proper verification of the debt.

Any other actions or remedies you may deem appropriate based on the investigation. 

Thank you for your attention to this serious matter. I appreciate your prompt response and assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-27 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-03-28 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: AZ

Complaint narrative:
I AM A VICTIIM OF HUMAN TRAFFICKING. PLEASE HELP ME GET MY LIFE TOGETHER AGAIN BY REMOVING AND BLOCKING THE ACCOUNTS IVE REPORTED AND WILL BE UPLOADED WITH MY SUPPORTING DOCUMENTS.

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 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A guy called me stating he was from Wells Fargo fraud department and asked me if I sent XXXX $ to my husband which I did not. He said no worries we have secured your XXXX account and your husband can send the money back my husband sent money to my XXXX phone number as usual but it never came back to my XXXX account and guy on the phone ended call abruptly and no one knows where the money went but it did not go into my checking account. So the guy on the phone somehow hacked my account and I did NOT give him my password or phone number so I dont know how he did it. The bank has not returned the funds.

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 2025-03-27 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: Constar Financial Services, LLC
State: TX

Complaint narrative:
I voluntarily surrendered a vehicle XX/XX/XXXX. The car was then sold at an auction. The difference was put on my credit and the account was closed. 
I was in the process of buying a home when I was notified that XXXX has reported me late on my credit each month from XX/XX/XXXX to present XX/XX/XXXX. I do not have possession of the vehicle and they should not be reporting me monthly late when Im no longer in a monthly payment. This account should be in charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I needed to get a freeze lifted from my credit temporarily. I attempted to do this on the Experian website. I tried to log in with my personal information, but the website didn't let me log in despite the fact that I was entering the correct information. There was no clear error message to indicate what ( if anything ) I was doing wrong. I tried the different available log in methods, but none worked. Even if I requested an access code to be texted to me, it would never be delivered despite the correct phone number being shown. 

I contacted the customer service phone number at Experian, but I was only able to speak with the automated answering machine. The automated answering machine was only giving me the option to permanently remove my freeze ; the other bureaus allowed me to temporarily lift it. I tried to get around the option and ask to speak with a human representative, but I was never given the option. The automated answering machine just kept telling me that it wasn't an option. 

I finally conceded to permanently removing the freeze permanently, planning to reinstate the freeze manually later. However, after choosing the option to permanently remove the freeze through the automated answering machine, it was not able to lift the freeze for me. Instead, it simply sent me a link to the exact same log in page that I was having issues with logging in on in the first place.

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 2025-03-27 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by XXXX, I believe this late payment are XXXX and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by XXXX, I believe this late payment are XXXX and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have had a long term relationship with affirm. Ive used their services several times and usually pay my balances in full prior to the end of the loan contract. One example is on XX/XX/year> I paid {$780.00}. That was the balance in full if I paid on that day. Today it is showing that I have a balance of {$1.00}. There is another account that I paid off on the same day. The balance in full on that account was {$730.00}. Today it is showing that I have a balance of {$1.00}. I have paid both balances to XXXXXXXX XXXX XXXX. No where in the agreement does it state that they can continue to accrue interest on a balance that is paid in full. They are charging interest for the days they take to post and clear payments on their end. Ive had several accounts with affirm where Ive had to pay an additional $ XXXX after paying the amount affirm says is in full. I believe I am not the only customer they are doing this to. People do not look at a few dollars but when you add a few dollars times the number of customers they have, they are making a lot of money off people who do not pay attention. Ive filed a complaint with affirm, case number XXXX. Their representatives were not able to explain where these amounts were coming from. Or where in the contract it states they can continue to charge interest on a balance that is paid in full.

Company response to consumer: Closed with explanation