vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a dispute with Experian multiple times and they keep saying my dispute is denied although I submitted the same dispute with XXXX and XXXX and they deleted the credit file almost two years ago.

Experian keeps claiming the account is mine although the company that they bought the debt from fraudulently charged me for a service that I never used and decided to charge me {$1500.00} for cancellation during the grace period.

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 2025-02-17 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 AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-17 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: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-02-17 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: MS

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX a customer wrote me to purchase a shampoo style chair, upon arriving to pick up the chair the customers male friend paid me {$150.00} via Cashapp for the chair. They both came to my home and picked up the chair. Some time the week of XX/XX/XXXX a dispute regarding the payment was made. Cashapp, without speaking to me regarding the dispute approved the refund causing my bank account to be deducted {$210.00} Including overdraft fees and return check fees. Upon speaking with Cashapp, they offer no assistance via phone regarding escalations, only via, however, I have not received any response from Cashapp escalation team regarding this matter. In fact, many of their customer service workers disconnected the call from me while trying to obtain further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit.

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 2025-02-17 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
I recently noticed on my consumer reports that there are inaccurate and incomplete information which is a violation of 15 USC 1681 e ( b ) 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 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 2025-02-17 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:
Please take this complaint seriously and review the attached file. I have spent an exhausting amount of time trying to correct the errors on my credit report, yet my requests continue to be ignored. This ongoing issue has negatively impacted every aspect of my life, and I have reached my limit.

These inaccuracies are taking a serious toll on my mental well-being, and the financial strain caused by my lowered credit score has made it even harder to seek the help I need.

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 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I do not believe I owe this debt to LVNV Funding LLC. I have NEVER had any type of contract with them nor do I recall getting a letter in the mail stating that I owe them XXXX. This company has never contacted me by mail. I believe them to be reporting harmful things to my credit report without my knowledge. This has cause me great harm in getting denied for things. This company has completely defamed my character. I would like to see the contract that I have with this company with my actual signature saying that I allowed them to report this to credit reporting agencies on my behalf. I would like this removed immediately not 30 days. Im also not sure if this debt was purchased illegally without my knowledge from XXXX XXXX XXXX XXXX. I have never gave XXXX XXXX written consent to give/sell my information to this company. And I would also like to see an itemized bill to know how much this alleged debt was purchased for. I also believe this t be a violation in regards to 18 USC 1028.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
This account has been opened without my consent and is the result of identity theft. I have not applied for any credit associated with this account, nor have I engaged in any transactions related to it. It is clear that this entry is fraudulent, and as such, it is damaging to my credit report and undermines my financial reputation.

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I had a customer inquire about my services for an event on XX/XX/year>. The customer paid a deposit of {$3500.00} and received a service for that down payment. The customer later reported fraud because of specific questions I asked about the event and my bank, and third party ( XXXX ) refunded the services out of my account. I provided all documents of communications and agreements to prove this customer was knowing and willing to purchase my services. PNC Bank and XXXX denied my appeal after all the proven documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: DISCOVER BANK
State: FL

Complaint narrative:
I was scammed for an on-line purchase. Then the scammer used my Discover card to The order items from XXXX XXXX XXXX, {$130.00}. The delivery order that I got from XXXX shows my name, my address, and an address in XXXX, The XXXX  tracking shows these items were delivered to XXXX. I live in XXXX  and have for the last XXXX  years. XXXX said they would issue a refund, but they needed Discover to reopen the dispute. I talked to Discover and finally after several calls opened a new dispute, then within days I got the notice that the dispute was closed and the charge was put back on my card. I can't seem to get Discover to resolve this problem and I am NOT paying for this order and I am NOT paying a late charge for not paying that amount on my last bill I just paid. I have copies of all this information and have shared it with Discover and can provide to you if needed. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: FL

Complaint narrative:
Fraudulent Wire Transfer Request for Investigation and Refund Amount Lost : {$9000.00} ( Partial Refund Received : {$360.00}, Remaining Amount Owed : {$8600.00} ) Complaint Details : I am filing a formal complaint against East West Bank regarding a fraudulent wire transfer that I made to a scammers account held at their bank. I wired {$9000.00} to what I believed was a legitimate account. However, I later discovered that the recipient was part of a fraud scheme, and the FBI has since arrested the scammers, confirming that this was a criminal operation. 

Despite this, East West Bank has refused to take responsibility for the fraudulent activity that took place within their banking system. Under federal banking regulations, financial institutions are required to monitor and report suspicious transactions under the Bank Secrecy Act ( BSA ) and Anti-Money Laundering ( AML ) regulations. If East West Bank failed to properly investigate and monitor this fraudulent account, they may have been negligent in their compliance obligations. 

Additionally, banks often have fraud protection and insurance policies to cover losses from scams like this. I believe East West Bank should take responsibility and file an insurance claim to reimburse me for my loss.

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 2025-02-17 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: NJ

Complaint narrative:
Equifax is falsely reporting inaccurate late payments on my XXXX XXXX XXXX account ( Account # XXXX ). This doesnt make sense because the payment status is correctly marked as Paid as Agreed. XXXX and XXXX are both reporting this account correctly, yet Equifax stands alone in misrepresenting my payment history. Under 15 USC 1681e ( b ), Equifax is legally required to ensure maximum possible accuracy in consumer reports. However, Equifax is violating this requirement by falsely reporting late payments that never occurred. This misinformation is damaging my credit profile and must be immediately corrected. This account should not have any late payments, as payments were made on time. However, Equifax has wrongfully reported late payments for XXXX and XX/XX/year>, despite no other credit bureau making this mistake. Why is Equifax the only bureau reporting these errors? This raises serious concerns about XXXX data verification process and whether it is negligently reporting false information. Under 15 USC 1681i, I am formally disputing these inaccuracies, and Equifax is required by law to conduct a reasonable reinvestigation and correct these errors immediately. If Equifax fails to correct this inaccurate reporting, it will be in direct violation of federal law, exposing itself to potential legal consequences for willful noncompliance.

I demand that Equifax immediately update my credit file to reflect the correct payment status and provide written confirmation once the corrections have been made. Any failure to do so will be considered a deliberate violation of my consumer rights, and I will explore all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NJ

Complaint narrative:
Upon reviewing my credit report, I discovered accounts that I have no affiliation with. These accounts were not opened by me, yet they are being reported under my name, which is completely inaccurate. I need to understand how this happened and why these accounts are on my 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 explanation
Consumer complaint received 2025-02-17 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: IL

Complaint narrative:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

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 2025-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a United States XXXX  and my mortgage is a VA Mortgage Loan. I am retired and am on a fixed income. My income is {$1700.00} per month- which is direct deposited into my bank on the XXXX Wednesday of each month. My mortgage was previously {$1100.00} per month. Since the {$500.00} increase - my mortgage is currently over {$1700.00} per month. Consequently, I can not afford to purchase groceries and can not afford to pay for the XXXX medications prescribed by my doctor. When I tried to talk to Truist Bank ( the mortgage holder ), they informed me that they would NOT take any action and give me chance to make a payment in XXXX and a {$1000.00} payment toward my escrow account. Truist Bank reneged on their promise and sent a notice that they are foreclosing on my home. PLEASE UNDERSTAND - I never missed making a payment on my mortgage each month - whether it was a partial or full payment. When I talked to the Truist Bank agent last month, she informed me that I was ONLY one month behind in payments due to the partial payments. However, I received a letter from Truist Bank on XX/XX/XXXX stating that I am over {$5000.00} behind in payments. That is a lie! Also, Truist Bank accepted the {$1400.00} payment I sent last month; but returned my payment on XX/XX/XXXX with a note attached stating that they will NO longer accept partial payments until my mortgage is paid-in-full. Truist Bank has reneged on all of the negotiations I made with them over the phone ; and raised my mortgage rate EVEN much higher to {$5000.00}. There are MANY thousands of complaints registered online against Truist Bank from other mortgage holders stating that Truist Bank 's only goal is to " price '' United States Veterans and retired people out of our homes. Their goal is to force us into being homeless. For example, when I asked Truist Bank to change my due date to the XXXX Wednesday of each month ( when I get my benefit check ), the Truist Bank mortgage department tactfully told me to " ... XXXX XXXX XXXX  .... '' Their representative informed me that they have the power to make that date-due change so that I would not have an accessed late charge, but Truist Bank refuse to do so. Please help United States XXXX and retired elderly people to stay in their homes. 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 non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I ask the question how is this possible and why are you not allowed to remove this from my credit report I understand that companies make mistakes all the time but why when I ask XXXX to investigate and remove this account it was under review for 60 days like it really doesnt take this long to investigate it was my account then I call the company back to ask what did she send to this company to ask my identity has been taken before so I ask that they call me ln person to contact about use of my identity if possible can I send a new CFPB report because they are not helping with anything.

Company response to consumer: Closed with explanation