vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: CBC Companies, Inc.
State: CA

Complaint narrative:
To whom this may concern, Hello! I am attaching a FTC report containing XXXX fraudulent accounts. I am submitting this XXXX XXXX XXXX  to block the XXXX account attached to this CFPB report as well as remove the address listed in the FTC report. 
I have attached XXXX accounts in the FTC report to Innovis which are fraudulent accounts in lieu of FCRA XXXX to be blocked from my Innovis report. 
Last I have attached XXXX accounts with XXXX which were recently blocked and appeared back on my XXXX credit report without any kind of notice to me. Those XXXX accounts are fraudulent per FCRA XXXX and should be blocked from continuing to be reinserted unto my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: CA

Complaint narrative:
To whom this may concern, Hello! I am attaching a FTC report containing 5 fraudulent accounts. I am submitting this two XXXX XXXX  to block the 1 account attached to this CFPB report as well as remove the address listed in the FTC report. 
I have attached 2 accounts in the FTC report to XXXX which are fraudulent accounts in lieu of FCRA 605B to be blocked from my XXXX report. 
Last I have attached two accounts with Equifax which were recently blocked and appeared back on my Equifax credit report without any kind of notice to me. Those two accounts are fraudulent per FCRA 605B and should be blocked from continuing to be reinserted unto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
I been dealing with this company for a year i been paying my mortgage I was behind but making all payments that I can but 7 months ago the lender who took over my loan a year ago decided to make it very difficult for me to get back on track they refused to work with me for a payment plan they keep telling me to wait until next month to figure out numbers witch adds another monthly payment and fees I ask for reinstatement letters and they never give me it when they finally make me a offer then two weeks later the cancel it and ask for large down payment down and three weeks after they want the first month payment they will not extend it pass 90 days then after I saved for 5 months and agreeing to there terms a week later I found out that they went to the court and filed foreclosure papers while talking to me and making arrangements to pay witch added another XXXX because of court fees I feel Im being extorted and they are doing everything not to take any payments I sent multiple checks and wired money and all was returned please help the company is SN servicing servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP
State: MA

Complaint narrative:
Further to the following complaints : XXXX XXXX XXXX After putting in the previous complaints to deal with the mortgage companys deceptive practices and bait and switch techniques, I received a letter from them, denying my objection to the impact on my credit statement. And while this was XXXX of the concerns I raised because as they frivolously have denied my claims and ignored the information that I sent them and change the terms- my credit is definitely being impacted. However, this was not the primary purpose of my complaint and they addressed nothing else that I said. 

Most recently they gave me a payout number to bring my account current and told me it was good through XX/XX/XXXX and then sent me a statement with a number that was {$2000.00} higher for the same period of time. So even an attempt to pay the amount to bring the contract current is being hindered by dishonesty. This after I had to call to request the number because the email was not able to be viewed and repeated attempts to get assistance with that were ignored. 


Every day that I have to figure out where the new goal post is the amount that I owe goes up, I believe that this is a deliberate attempt to bury me as was demonstrated by offering to honor an agreement as long as I gave back the money that I received in assistance. 

This means they have no issue honoring a flex loan but they will only do it if I owe more than I already owe. 

And since I dont even know that anyone is monitoring this anymore, I am going to follow up with the lawyer who reached out to me and has apparently had other clients have issues with their deception. 

I currently have a request for modification in to them but I already know that they will come up with some reason that the information is right or enough or some other way to back me into a corner. 

Of course they have told me that I can reach out to my account XXXX but in XXXX years of trying to reach her Ive never been able to speak to her once. I have previously been told that I never will be able to

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had a late payment that occurred due to the coronavirus outbreak emergency declaration. My city/state had a shelter in place at the time of the missed payment. I was quarantining due to Covid-19 and was unable to work because of my severe symptoms which kept me from functioning. 

I understand all I had to do was call to get approved for a deferment, but in addition to my poor health, I didnt even know that I had to call before I was marked late. Due to this, I am requested the late payments be removed from my credit report. Also, Im specifically interested in getting the late payment removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Genesis Credit Management LLC dba Columbia Debt Recovery is reporting the same debt under different names and they are changing the dates the debt was opened in order to report false information for a longer period of time. They are violating the FCRA and I do not have a debt with them. They do not have proof of signed documents with me owing them a debt. Remove the account and the derogatory mark immediately before I sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am a victim of identity theft and recently discovered that fraudulent accounts were opened in my name without my authorization. I have already reported this issue and need immediate assistance in ensuring these accounts are removed from my credit report. 

Details of the Fraudulent Accounts : XXXX XXXX XXXX XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$4800.00} Affirm Inc Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$1500.00} Requested Actions : 1. Investigate and facilitate the immediate removal of these fraudulent accounts from my credit report.

2. Ensure the creditors comply with the Fair Credit Reporting Act ( FCRA ) by blocking and deleting these accounts as they were unauthorized. 
3. Confirm that I have no financial liability for these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: NJ

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the 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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX TransUnion Consumer Solutions XXXX XXXX XXXX, XXXX  XXXX Subject : DEMAND FOR IMMEDIATE DELETION AND PERMANENT BLOCKING OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT Dear TransUnion Dispute Department XXXX This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) for the immediate deletion and permanent blocking of the following fraudulent accounts that have been unlawfully reported under my credit file due to identity theft : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX I have submitted a police report numerous times since XX/XX/XXXX, along with an FTC Identity Theft Report, clearly stating that these accounts were fraudulently opened in my name. Under the FCRA, TransUnion was required to remove these accounts within four ( 4 ) business days from receiving my identity theft report. The failure to do so constitutes a direct violation of the FCRA. 

Additionally, TransUnion has failed to provide proper documentation verifying the accuracy of these accounts, including : Proof of the verification process, including the method used to investigate each disputed account. 

Details of the investigation, including who was contacted, along with the time and date of the verification. 

Proof that these accounts belong to me, including original applications, signatures, and supporting documents used to establish ownership. 

Since TransUnion has failed to comply with its obligations under the FCRA, I demand that you immediately delete and permanently block these fraudulent accounts from my credit report. Failure to do so will result in further action and taking legal action to enforce my rights under federal law. 

I expect a written response confirming the deletion and blocking of these accounts within five ( 5 ) business days of your receipt of this letter. If you require additional information, you may contact me at the details provided above. 

Sincerely, 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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed up my Amex Gold card for autopay but the autopay did not pay for my card. I am not sure if it was because I have an additional gold card added to my primary gold card. 

I was charged a late fee of {$29.00} on XX/XX/XXXX and an interest charge of {$14.00} on XX/XX/XXXX. 

I would like a full refund of the {$29.00} late fee and the {$14.00} interest fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
I have a loan out with a finance company. I had told them before to stop calling me at work since my supervisor doesnt allow personal calls. They proceeded to call anyway, i work at a restaurant, they called and asked for me, the hostess who answered the phone said i wasnt in ( i was off that day and i can verify ), they then said ... '' can i speak to the manager on duty '' ... ..the hostess complied thinking it was a customer... .the finance company called " private '' by the way ... ... ... the manager on duty answered the called and they asked him if he was me. He said no and told them his name and the finance company proceeded in telling him that i have been ignoring their calls and that they needed to reach me as soon as possible because every time they call im never there ... .they told him the name of the finance company and gave him the number for me to call. 
The manager on duty called me right away and let me know about the situation. i was very embarrassed and upset about this, now the whole staff at work knows about this.

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 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by WFBNA CARD. 
The account appears on my credit report with a balance of {$2500.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to place a fraud alert on my credit file. 
I have reached out to WFBNA CARD to dispute the fraudulent account, but they have not resolved the issue.

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 2025-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-22 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: CA

Complaint narrative:
I recently discovered that my credit report contains inaccurate account information. Some accounts have incorrect payment histories, balances, or statuses that do not reflect my actual financial activity. These errors are unfairly affecting my credit score.

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 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
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 XXXX XXXX  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 2025-02-22 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: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-22 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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