vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Afterpay regarding a transaction for a XXXX  order I placed on XX/XX/year>, using XXXX  buy now, pay later service. The order was marked as shipped on XX/XX/XXXX and delivered on XX/XX/XXXX. However, I never received the package, and XXXX has no record of a successful delivery. 

I contacted XXXX, who refused to issue a refund or send a replacement. I then submitted a dispute to XXXX through their platform, citing goods not received. Despite this, XXXX has taken no action, and they continue to charge me for an order I never received. 

I have made several attempts to resolve the issue through both the merchant and XXXX, but I have not received a meaningful response. I am seeking the CFPBs assistance in : Pausing or canceling any further payments to XXXX  for this order Receiving a full refund for the undelivered merchandise Holding XXXX  accountable for failing to protect consumers in disputes XXXX XXXX order number XXXX XXXX tracking number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation request to the company regarding a time-barred account. I followed up with a final cease and desist notice on XX/XX/year>, giving them 15 days to respond and fully validate the debt. No compliant response was received. 
The company continued to report the account without marking it as disputed, in violation of 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1692g ( b ). 
They also continued to report inaccurate account status, contributing to a credit denial on XX/XX/year>. 
Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: PA

Complaint narrative:
I submitted a legally valid fraud block request to Equifax on XX/XX/year>, pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ). This section of federal law requires credit reporting agencies to block and delete fraudulent information within 4 calendar days of receipt when proper documentation is provided. 

I submitted : A completed FTC Identity Theft Report Government-issued photo ID Proof of residency ( lease agreement ) The legal deadline for Equifax to XXXX was XX/XX/year>. Today is XX/XX/year>, and the fraudulent accounts and inquiry are still reporting on my credit file, causing harm to my credit and violating my rights under federal law. 

Items that remain in violation : 6 fraudulent charge-offs XXXX fraudulent collection XXXX unauthorized hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I was finally given my successor of interest status, but Shellpoint is still refusing to give me any loss mitigation help. Was told by XXXX ( per notes on account never spoke directly to her ) that everything is denied, So here I am again to file a complaint, When given successor in interest status Shellpoint can not deny me the successor of interest the right and ability to make payments on this account even though it is in foreclosure I have the right to make payment on this account but they refuse again because they would rather do what they want and not have their legal team tell them what a successor of interest has right to!!!! Also Shellpoint can not legally accelerate the foreclosure process also against the law but the basic agents on phone have no clue what they are doing so you just fight. Shellpoint needs to research legal rights to successor of interest rights! I have the legal rights to pay payments on this account and Shellpoint can not accelerate this account to foreclosure. But they will not comply

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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I am currently using online mobile banking called current I get my social security direct deposit into my account last two months my account was wiped out by fraudulent unauthorized charges I had filed disputes and have not received XXXX XXXX in my social security in the last two months I have docuents showing how I did my own investigating also I made a police report for XXXX deposit and XXXX I was in the emergency room I will attach documents below I have called over 50 times to try to reach somebody and tell my situation and all I could tell me is we're so sorry this has happened to you but we can not file a dispute while the charges are pending they go all the way through and I asked why can't you stop them for being processed and several times they just hang up on me I have been struggling without any income for 2 months I am XXXX and recently divorced and now getting evicted for something I tried to fix for 2 months without any income returning

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Resolutions Corp.
State: IN

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation request to the company regarding a time-barred account. I followed up with a final cease and desist notice on XX/XX/year>, giving them 15 days to respond and fully validate the debt. No compliant response was received. 
The company continued to report the account without marking it as disputed, in violation of 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1692g ( b ). 
They also continued to report inaccurate account status, contributing to a credit denial on XX/XX/year>. 
Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Complaint Summary : On XX/XX/year>, I mailed a letter to Experian requesting an investigation into several inaccuracies on my credit report. This request was submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, Experian sent me a response letter, which I received on XX/XX/year>. In that letter, they stated they would not take any action because they did not believe I was the individual who submitted the request. This is despite the fact that I included proper identifying documents with my letter. 

In response, on XX/XX/year>, I sent a second letter to Experian via certified mail ( Tracking Number : XXXX ), which was delivered on XX/XX/year>. This letter reiterated my request for an investigation and again included my state-issued ID and a utility bill confirming my identity and current address. 

Despite this, as of today, XX/XX/year>, I have received another response from Experian via email stating that they are not taking any action on my request. 

I have made multiple good-faith efforts to validate my identity and request an investigation. Experian has failed to comply with the FCRA by not conducting a proper reinvestigation and by continuing to reject my request without legitimate cause. 

Requested Resolution : I respectfully ask the CFPB to assist in ensuring that Experian : Conducts a lawful reinvestigation of the disputed items, as required by the FCRA. 

Deletes any items that can not be properly verified. 

I am very much acknowledging that my identity has been properly confirmed through the documents I submitted. 

Thank you for your attention to this matter. 

I have attached the original letter that I sent to Experian.

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 2025-05-10 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: MI

Complaint narrative:
Im unable to see my credit report. Im unable to order my credit report from Experian had a data breach with Equifax unable to do anything. They said it passed the deadline for them to do anything and I was never notified about anything. The wrong addresses and name is spelt wrong on my credit reports.

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 2025-05-10 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: OH

Complaint narrative:
Subject : Formal Dispute of All Negative Items FTC Identity Theft Report # XXXX Demand for Validation and Permanent Removal To Whom It May Concern : I, XXXX XXXX, hereby formally dispute ALL negative items appearing on my credit reports maintained by Equifax, TransUnion, and Experian, including but not limited to accounts with XXXX XXXX ( ending in XXXX, {$5400.00} ; XXXX, {$23000.00} ), XXXX XXXX ( ending in XXXX, XXXX, XXXX, XXXX ), XXXX ( ending in XXXX, XXXX ), XXXXXXXX XXXX ( ending in XXXX, {$15000.00} ), XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and all related inquiries and collection accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX These items are the result of identity theft by unauthorized business credit firms, as documented in my FTC Identity Theft Report # XXXX ( updated XX/XX/XXXX ). I have received no value from these accounts, and the debts are fraudulent. 
Pursuant to FCRA 1681s-2 ( b ), FDCPA 1692g, FCBA 1666, Ohio CSPA ( ORC 1345.02 ), and FTC Act 5, I demand the following : XXXX. Immediate Validation of All Disputed Items : o Each creditor ( XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and collection agency ( XXXX, XXXX ) must provide full and complete validation within 30 days of this notice, including : Original XXXX signed agreement bearing my personal signature. 
Any/All securitization documents. 
Complete chain of title proving lawful ownership. 
Itemized transaction records demonstrating benefit to me. 
o Failure to validate, as affirmed in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX, Record No. XXXX ), requires immediate cessation of collection and removal from my credit reports. My prior validation request to XXXX ( XX/XX/XXXX ) remains unmet, reinforcing this demand. 
XXXX. Permanent Debt Elimination : o All disputed accounts and associated debts ( $ XXXX estimated total ) must be XXXX in full and permanently removed from my credit reports under FCRA 1681c-2. The address discrepanciXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and lack of benefit evidence fraud, negating any obligation. CRAs must block these items within XXXX days of receiving my FTC 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 2025-05-10 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: OH

Complaint narrative:
Subject : Formal Dispute of All Negative Items FTC Identity Theft Report # XXXX Demand for Validation and Permanent Removal To Whom It May Concern : I, XXXX XXXX, hereby formally dispute ALL negative items appearing on my credit reports maintained by Equifax, TransUnion, and Experian, including but not limited to accounts with XXXX XXXX ( ending in XXXX, {$5400.00} ; XXXX, {$23000.00} ), XXXX XXXX ( ending in XXXX, XXXX, XXXX, XXXX ), XXXX ( ending in XXXX, XXXX ), XXXXXXXX XXXX ( ending in XXXX, {$15000.00} ), XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and all related inquiries and collection accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX These items are the result of identity theft by unauthorized business credit firms, as documented in my FTC Identity Theft Report # XXXX ( updated XX/XX/XXXX ). I have received no value from these accounts, and the debts are fraudulent. 
Pursuant to FCRA 1681s-2 ( b ), FDCPA 1692g, FCBA 1666, Ohio CSPA ( ORC 1345.02 ), and FTC Act 5, I demand the following : XXXX. Immediate Validation of All Disputed Items : o Each creditor ( XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and collection agency ( XXXX, XXXX ) must provide full and complete validation within 30 days of this notice, including : Original XXXX signed agreement bearing my personal signature. 
Any/All securitization documents. 
Complete chain of title proving lawful ownership. 
Itemized transaction records demonstrating benefit to me. 
o Failure to validate, as affirmed in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX, Record No. XXXX ), requires immediate cessation of collection and removal from my credit reports. My prior validation request to XXXX ( XX/XX/XXXX ) remains unmet, reinforcing this demand. 
XXXX. Permanent Debt Elimination : o All disputed accounts and associated debts ( $ XXXX estimated total ) must be XXXX in full and permanently removed from my credit reports under FCRA 1681c-2. The address discrepanciXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and lack of benefit evidence fraud, negating any obligation. CRAs must block these items within XXXX days of receiving my FTC 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 2025-05-10 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: PENTAGON FEDERAL CREDIT UNION
State: UT

Complaint narrative:
When I originally signed up for this loan, the terms were it could be paid off early without any penalties. So when I was first able to pay off the loan payments online, if the monthly payment was {$140.00} and I paid {$160.00}, {$20.00} would be applied to the outstanding principal. Now on the website if I pay {$160.00}, they reduce next months payment by {$20.00} and do not apply it to principal, effectively extending the length of the loan so they get the interest of the entire loan and are unwilling to apply that extra {$20.00} to the principal. THIS IS VERY DISHONEST. Every other Finance company website I make payments to has a button to add extra principal payment on the screen to allow for payment of extra principal. YOU ARE AN UNETHICAL LENDER AND SHOULD BE PENALIZED FOR YOUR DISHONESTY!

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries on my credit report. The following inquiries were made without my consent and are a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I am requesting the immediate removal of these injuries from 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 explanation
Consumer complaint received 2025-05-10 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: NC

Complaint narrative:
Dear [ Experian/Equifax/TransUnion ] , I am writing to formally dispute unauthorized or inaccurate hard inquiries listed on my credit report. I recently obtained a copy of my credit report and noticed the following inquiry ( ies ) that I do not recognize or did not authorize : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX via TRANSUNION INTERACTIVE XXXXXXXX, XXXX/XXXX/XXXX XXXX XXXXXXXX via TRANSUNION XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 via XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and provide evidence of my authorization for these inquiries. If you can not provide such documentation, I request that the inquiries be removed from my credit report immediately. 

Please complete this investigation within the 30-day period as required under the FCRA and inform me of the results in writing.

Attached are copies of my ID and proof of address to help verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NC

Complaint narrative:
Dear [ Experian/Equifax/TransUnion ] , I am writing to formally dispute unauthorized or inaccurate hard inquiries listed on my credit report. I recently obtained a copy of my credit report and noticed the following inquiry ( ies ) that I do not recognize or did not authorize : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX via TRANSUNION INTERACTIVE XXXXXXXX, XXXX/XXXX/XXXX XXXX XXXXXXXX via TRANSUNION XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 via XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and provide evidence of my authorization for these inquiries. If you can not provide such documentation, I request that the inquiries be removed from my credit report immediately. 

Please complete this investigation within the 30-day period as required under the FCRA and inform me of the results in writing.

Attached are copies of my ID and proof of address to help verify my identity.

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 2025-05-10 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: PA

Complaint narrative:
I submitted a legally valid fraud block request to Equifax on XX/XX/year>, pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ). This section of federal law requires credit reporting agencies to block and delete fraudulent information within 4 calendar days of receipt when proper documentation is provided. 

I submitted : A completed FTC Identity Theft Report Government-issued photo ID Proof of residency ( lease agreement ) The legal deadline for Equifax to XXXX was XX/XX/year>. Today is XX/XX/year>, and the fraudulent accounts and inquiry are still reporting on my credit file, causing harm to my credit and violating my rights under federal law. 

Items that remain in violation : 6 fraudulent charge-offs XXXX fraudulent collection XXXX unauthorized hard inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: OH

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation