vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: TN

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

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 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 2025-05-13 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: GA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I use my cash app card for a purchase on XX/XX/XXXX for a company named XXXX. Purchase was {$120.00}. however I did not receive any product I've contacted cash app to see if they could dispute the situation and do a thorough investigation however got nowhere keeps getting denied so therefore now basically I had money stolen from me from XXXX and now cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On my TransUnion account there is a different social security number one there I am needing it to be changed to the right one to match with my students XXXX account for the parent plus 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I have always made my payments on time, therefore the late payment showing up on my account profoundly disturbs me. I respectfully ask that this inaccuracy be removed right away in order to properly reflect my payment history, as it is causing needless stress.

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 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX between XXXXXXXX XXXX XXXX i went to chase atm the first one to the left closest to exit ( receipt time stamp ). I went to deposit money into the atm, the first time i inserted {$1000.00}, it only accepted {$880.00}. So then when I went to deposit the second portion of my money ( {$1000.00} ) I put the {$120.00} on top of the {$1000.00}. Then the machine showed a screen to call to make sure my money was deposited. The receipt read 1. {$880.00} deposit 2. not available. The machine stole {$1100.00} from me. I called immediately and they said they would temporarily deposit the amount im claiming was inserted but it could take 2hours to 2 business days and the website says anywhere to 4 business days but that until the investigation was done this is a temporary loan meaning they can take it back. They stole my money. I called the number twice and was given a claim # and called the branch over 10 times during their business hours and they did not once answer. 

Branch XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: SC

Complaint narrative:
United Collections Bureau # XXXX I am unaware of this debt, and did not have the opportunity to dispute this account. If you believe that you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-13 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
My typical payment patterns are not reflected in this inaccurate record of late payments. I request that it be removed in order to ensure that my account is showing accurate information, since I have always made my payments on time.

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 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I am trying to purchase a home, when I received my credit report, Mohela has me listed as being in default since XXXX. When I call them they state that my loans are in current standing, and my first payment is due at the end of XXXX. When I tell them my loan should be on forbearance as my daughter sent in all her internship information, I was told that it wouldn't pply to me. I've spent countless hours on hold without anyone coming to the phone, and have been hung up on as well. I don't know what to do, Thank you. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I signed this loan after having to get a new roof placed on my home and was told by the roofer that I could make multiple payments without penalty and that I could make payments by credit card. I carefully reviewed the terms before signing, and there was no mention that credit or debit card payments would not be accepted. I can provide the exact copy of the contract that was emailed to me before signing, which confirms that this restriction was never stated. When I called Service Finance they sneered and said there was nothing I could do about it, and could and would not provide me a copy of where this was stated in the contract I signed. They said it was included in the packet I received in the mail after signing. 

Given that this limitation was not presented upfront, I believe this constitutes a material omission of terms that should have been disclosed before signing. I entered into this agreement under the assumption that I could make payments via credit card and this feels like a complete violation of my consumer rights.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
accounts are not mine inaccurate collections placed on my profile. ive been disputing this and need to remove immediately. 
fraud account : XXXX XXXX XXXX # XXXX fraud account : Midland Credit Management # XXXX fraud account : XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
Account Wakefield and Associates # XXXX I am unaware of this debt, and did not have the opportunity to dispute this account. if you believe you that you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report, or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
Oportun does not stop retaliation against me. I disputed the loan amount they refused to report. Now theyre reporting Im 30 days late 2 times. XXXX and XXXX. I have bank statements and the Oportun application to prove my accuracy of payments. The payments were automated from my bank account. My credit report went down XXXX points. This is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NORTHERN OHIO INVESTMENT COMPANY
State: OH

Complaint narrative:
Hello, My name is XXXX XXXX. My email address is XXXX My phone number is XXXX. 

XXXX filing a complaint against my lender, XXXX XXXX, with XXXX XXXX Her email address is XXXX. Her phone number is XXXX and her cell phone is XXXX. 

I signed a contract in XX/XX/year> to purchase a home under construction with FHA loan with a down payment of 3.5 %. I dont know anything about home purchasing as this is first time buying a home. 

My debt to income ratio is about 70 %. My gross income is {$8000.00} a month. My student loans payment is {$1400.00} and I have a past due balance of {$4100.00}. My credit card payment is {$1000.00} a month. My potential mortgage payment will be {$3100.00}. This debt is above what I make. Im unable to make mortgage payment with my income. I have communicated this with my lender many times that Im afraid if I dont make payments that my family and I will be homeless.

This is first time buying a home and I dont know what to do. I dont have experience with mortgage loans. Please help me get out of this purchase without a penalty as this is out of my control. 

I will attach my paystubs, my past due student loans, and loan estimate.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Newrez has been making all kinds of errors processing my mortgage payment which in turn is can me grief Newrez has also been trying to solicit new business from me and I have to be pleading with them not to contact me with any making calls

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 2025-05-13 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:
During my incarceration, several fraudulent accounts were unlawfully opened in my name without my authorization. Upon reviewing my credit report, I discovered multiple unauthorized accounts, including those with XXXX XXXX XXXX ( opened XX/XX/XXXX, balance : {$12000.00} ), XXXX XXXX ( opened XX/XX/XXXX, balance : {$7200.00} ), and XXXX XXXX ( opened XX/XX/XXXX, balance : {$31000.00} ), among others. These accounts could not have been opened by me, as I was incarcerated at the time. 
Since identifying the fraudulent activity, I have submitted formal disputes to the credit bureaus, requesting the removal of the unauthorized accounts. I have also provided documentation verifying my incarceration during the time these accounts were opened. Despite my efforts, the fraudulent accounts remain on my credit report, negatively impacting my financial standing. I am requesting immediate investigation and removal of these fraudulent accounts in accordance with the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
During my incarceration, several fraudulent accounts were unlawfully opened in my name without my authorization. Upon reviewing my credit report, I discovered multiple unauthorized accounts, including those with XXXX XXXX XXXX ( opened XX/XX/XXXX, balance : {$12000.00} ), XXXX XXXX ( opened XX/XX/XXXX, balance : {$7200.00} ), and XXXX XXXX ( opened XX/XX/XXXX, balance : {$31000.00} ), among others. These accounts could not have been opened by me, as I was incarcerated at the time. 
Since identifying the fraudulent activity, I have submitted formal disputes to the credit bureaus, requesting the removal of the unauthorized accounts. I have also provided documentation verifying my incarceration during the time these accounts were opened. Despite my efforts, the fraudulent accounts remain on my credit report, negatively impacting my financial standing. I am requesting immediate investigation and removal of these fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-13 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: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXXXX/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 2025-05-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation