vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) refunded {$190.00}, cancelled a vacation package on XX/XX/XXXX. On XX/XX/XXXX XXXX, XXXX XXXX, XXXX Treasury Manager charged my card on file with XXXX twice {$200.00} and {$5.00} ( {$200.00} ) more than the original purchase price for the vacation package of {$190.00}. XXXX did not have authorization to charge this card. 

Around XX/XX/XXXX TD Bank refunded {$200.00} to my account while investigation. On XX/XX/XXXX the bank credited XXXX {$200.00} causing account overdraft and accessed bank fee. TD Bank is not protecting my account from fraud and providing merchant friendly investigations. TD Bank allowed the merchant to charge a card that they had access, without authorization, and for a higher amount than the original refunded transaction ( fraud ).

TD Bank and/or XXXX owes {$230.00} for fraudulent charges and related fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: IA

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: CT

Complaint narrative:
I received a letter from XXXX XXXX Solutions claiming I owed {$12000.00} from a defaulted credit card from XXXX dated back 2 years ago. I never opened a credit card from XXXX in my life.It is a case of mistaken identity and not identity theft. I know this since I contacted my 3 credit bureaus and they are all 100 % clear. I sent XXXX a very detailed letter demanding why they believe I owe this debt. They failed to provide the majority of the documents I requested per the FDCPA legal requirements. They only could provide some old billing statements from XXXX which had the name of a XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. XXXX XXXX is not my address and this debt belongs to another person. This is clear harassment and I believe they found my name on a generic people finder site on the web which anybody can access, which often has incorrect information. 

I tried to clear this up with XXXX but have been unsuccessful to this point. I recently sent a detailed legal type letter to their fraud department and I am awaiting their response after they conduct their investigation. They seem to be discombobulated in their responses, sending me a letter claiming i owed the debt. This was after an earlier phone call with a XXXX rep. who didn't speak English very well. 

I have received a second letter from another collection agency on XX/XX/XXXX, XXXX XXXX XXXX, XXXX NY. They allege I owe {$12000.00} from XXXX also. Obviously the same debt and the previous agency was seeking to collect. I have also sent them a dispute letter with the same language as before which was sent to XXXX XXXX XXXX.I am not sure if the debt was sold to them. My fear is this will not be resolved without legal action, since these agencies are known for their underhanded tactics. 

This is starting to get out of hand and is purely harassment at this point. I need somebody to help with this situation. I do not want to pay an attorney, but as a last resort if it can not be rectified by authorities. 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 explanation
Consumer complaint received 2025-03-07 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 2025-03-07 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: AL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXXXXXX Balance : {$12000.00} & DPEDXXXX XXXXXXXX Balance : {$0.00}

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 2025-03-07 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: AZ

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 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 2025-03-07 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: AZ

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 2025-03-07 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: NJ

Complaint narrative:
this company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me XXXX XXXX XXXX {$1400.00} XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
this company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me XXXX XXXX XXXX {$1400.00} 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 2025-03-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. 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 2025-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My account is showing XXXX late payments. I was never told that I was late. No mail was mailed at my location.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
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 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX Subject : Request for Removal of Collections and late payments, due to inaccurate information. 
Dear sir/ madam, I am writing to formally dispute the collection account reference by your agency. The account referenced by your agency. The accounts in question, which I understand to be reported under my name, is inaccurate due to incorrect or misspelled information. 
Specifically, I believe that either the amount, the nature of the debt, or the other details tied to this account do not reflect my accurate financial history. After reviewing my records and credit report, I noticed discrepancies that I am requesting be investigated. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you provide verification of these debts, including : 1. The original account information and proof of the debt.

2. The amount owed and a breakdown of the charges.

3.Documentation to support that this collection is indeed mine, and that the reporting to all credit bureaus is accurate. 
If you are unable to provide this documentation or fail to correct the inaccuracies, I request that this collection or late status accounts be removed immediately from my credit report, as it is based on incorrect information. 
I appreciate your prompt attention to this matter and look forward to resolving these discrepancies. Please provide a written response within 30 days from the date of this letter. 
Those companies listed false and missed documented information reported to different credit bureaus. If the information was correct, it would be the same on all bureaus. 
XXXX financial -reporting 2 months late- XXXX report says all payments are up to date. 
XXXX XXXX XXXX XXXX XXXX XXXX charge off showing as closed, also has a past due balance of {$8000.00}. XXXX, charges offs can not have a past due balance. 
XXXXXXXX XXXX XXXX lists 2 months back-to-back 90 days late. 
XXXX marked 30 days late, but also says all payments made and in good standing. 
XXXX XXXX says 120 days late but shows in good standing. 
XXXX shows balance on closed and {$0.00} due, also 2 30-day late payments back-to-back. 
XXXXXXXX XXXX XXXX - {$1100.00} past due, charged off, charge offs can not have a past due balance. 
XXXXXXXX XXXX- {$1500.00} charged off, since XX/XX/year>, reported as charged off for the past 48 months XXXXXXXX XXXX XXXX XXXX never had an account with this bank, XXXX payments behind. 
XXXX XXXX XXXX reporting 120 days, only shows 90 days. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-07 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:
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 2025-03-07 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am not liable for this debt with CREDITACPT. I do not have a contract with CREDITACPT, they did not provide me with the original contract as I requested.correction to my credit report, I demand this account be removed 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 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
During an emergency concerning my child. Cash app made an Unauthorized deduction of funds from my Cash App balance for loan repayment, unauthorized change to auto-pay settings, and refusal to provide agent ID for dispute tracking. I've read their agreement for borrowing several times and there is no clause or fine print that states they can change my auto pay from manual to auto without my knowledge this would be the reason why the agent said " at the time your account was set to auto pay '' On XX/XX/year>, I received a {$50.00} payment from XXXX XXXX ( Transaction ID : # XXXX ) via Cash App. This money was sent specifically to cover urgent medication costs for my child, who is experiencing a medical emergency. However, upon receiving the funds, Cash App automatically applied the money to a Borrow loan repayment, despite my account not being set to auto-pay at the time. Despite me being loyal to the program in paying back in full for previous loans When I contacted Cash App Support, the agent told me that my account was set to auto-pay, which was incorrect because I had previously set my Borrow repayments to manual pay. When I checked my account settings, I saw that my auto-pay had been switched on without my authorization. 

Additionally, when I asked the customer support agent for their agent ID number, they refused to provide it. Also refused to let me speak to supervisor. Along with the agent Refused to give me the name of the lender since cash app is claiming it's a different company. This lack of transparency prevents consumers from tracking disputes and holding Cash App accountable for unauthorized transactions. This refusal further suggests that Cash App is engaging in deceptive business practices and intentionally making it difficult for consumers to dispute unauthorized transactions. 

THIS MATTERS LET ME TELL YOU WHY .... 

1. Cash App changed my auto-pay settings without my permission This is an unauthorized modification of my account settings and is not disclosed in their terms of service.

2. They withdrew money from my balance without consent This is an unauthorized transaction that left me unable to purchase critical medication for my child. 


3. They refused to provide the agent ID number This is a lack of transparency that makes it impossible to track disputes.

4. They are ignoring my complaint and refusing to refund my money This is unfair and deceptive business behavior.

What I Am Requesting : Immediate refund of my {$50.00} Investigation into Cash Apps practice of changing auto-pay settings without user consent Regulatory enforcement to ensure Cash App provides agent IDs when requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 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 2025-03-07 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-07 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: 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 one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is : 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 2025-03-07 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: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I logged on to check something on their site in early XXXX and saw that it mentioned late payments in XXXX and XXXX. I was surprised since I have using the same process for years to make these payments. I never received any notification from Mr. Cooper my payments were late. I have been paying Mr. Cooper the same way for years using XXXX XXXX XXXXXXXX 's bill pay platform so no idea why the payments in ( sent to Mr. Cooper before due date on XX/XX/XXXX ) XXXX and ( sent to Mr. Cooper before due date on XX/XX/XXXX ) XXXX were not received and applied but I immediately using Mr. Cooper 's payment system made the payments due on XX/XX/XXXX. I even had XXXX XXXX XXXXXXXX reach out to Mr. Cooper with me on the line to explain the issue and Mr. Cooper even credited me the fees they charges as they realized this was a non-issue so assumed there would be no issue with this impacting my credit. I even submitted a ticket to Mr. Cooper to ensure this would not impact my credit ( ticket # XXXX ) with all the details on XX/XX/XXXX and never heard a thing. This is completely unacceptable Mr. Cooper to file something with the credit agencies based on misinformation. I submitted another ticket to Mr. Cooper on XXXX ( XXXX ) and also submitted two disputes with XXXX who took no action. My Wife and I have worked very hard our whole lives to ensure our bills are paid on time and maintain exceptional credit to have Mr. Cooper impact our credit scores like this after I proved these payments were made timely is just awful.

Company response to consumer: Closed with explanation