vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
My Credit Report has been full of inaccurate and misleading information for several years with me requesting that these items be investigated and removed and I have been unable to resolve this issue on my own. I have been a victim in several data breaches including one involving Equifax which then resulted in me checking my report and finding so many errors that I just couldnt believe it! There are 13 Hard inquiries which I absolutely have no memory of as well as there being reported that I have several variations of my name when I have only ever went by one name as well as a ridiculous amount of different addresses some of which are combinations of two different geographical locations however those are not addresses that should be associated with me incorrect or not. One of the addresses that is listed on my report belongs to a casino and it just is one inaccurate piece of information after another all of this has been what I can only describe as a prison and a tremendously heavy burden that has absolutely destroyed my spirit, my relationships, my professional life and various opportunities that I could have had a much better chance to achieve had this not been standing in my way like an obstacle that no matter how hard I work and how hard I try! I have been crippled by this inaccurate and unreliable and misleading reporting from all three of these bureaus. I am here today to ask you to please use whatever power you have to please make these people, this company who does not care that what they are reporting about me is incorrect and inaccurate and hurtful to me and my ability to make a living and to be able to obtain credit and It has been years of them doing nothing to flx there mistakes and had I known that the CFPB even existed I would have been begging you a long time ago to make these people accountable and make them fix this inaccurate information! My credit report should have only ONE NAME, TWO ADDRESSES, TWO STUDENT LOAN ACCOUNTS AND THAT IS ALL. Everything else is inaccurate, or unrecognizable, or I am unfamiliar with! So unless I can be provided with some form of believable proof and evidence I want these items removed and I want all the extra names and addresses removed because they are supposed to reporting true and accurate information and they most definitely are not! Please dont think that I am getting on you about this in any way because I can assure you that is not the case! I am very very happy and grateful that you are able to possibly help me put an end to this! Thank you very much for your time and for taking time to listen and possibly help! Have a wonderful weekend and I look forward to possibly hearing from you soon!

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 2025-02-07 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: OH

Complaint narrative:
I am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
It is inappropriate for TD to ask my husband and I to figure out what account number was used by XXXX XXXX XXXX XXXX XXXX the US Treasury XXXX XXXX XXXX and TD 's internal system it uses to deposit incoming amounts to TD customer accounts. TD seems to be indicating there was an " error '' having to do with our account number. Based on TD statements below, TD admitted that TD " received deposits from XXXX  XXXX, IRS TREAS XXXX and all sources. '' The range TD used to do research shows the difference of XXXX XXXX. XXXX Treasury and XXXX pay out refunds to XXXX Taxpayers in whole dollar amounts. Since you have a direct relationship through your system, why don't you contact XXXX XXXX XXXX and the XXXX XXXX XXXX Treasury XXXX to identify to you what was disbursed to our account number in XXXX? The second question you can ask your ally associates if they are misdirecting XXXX Citizen tax payers XXXX Treasury money and XXXX XXXX XXXX XXXX refunds into undisclosed TD accounts by disbursing amounts off by XXXX XXXX and using wrong names that are not traceable in our US Federal Governments Treasury Department system and XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department Government system? As TD customers, it is TDs responsibility to disburse amounts received for our account and deposit immediately. 
TD XXXX XX/XX/XXXX. " TD Bank did receive tax refund deposits for customers from those senders in XXXX. When researching your previous complaint, we did an extensive search of our records for all direct deposits between the amounts of {$1800.00} and {$1800.00} and the amounts of {$5000.00} and {$5000.00} received from all sources from XX/XX/XXXX to XX/XX/XXXX. While we received deposits from NY XXXX and IRS TREAS XXXX for amounts within that range, none of the deposits match you or your husband 's names or account number '' TD Letter XX/XX/XXXX : " According to ACH regulations, a financial institution may rely solely on the account number for the posting of ACH transactions. Our system will attempt to post incoming transactions to the accounts provided, and if the account number is valid the transaction will post. If the account number is invalid, the transaction will be returned to the originating bank. If an incorrect account number was used to send the deposits, we will need the account number used or the ACH trace number assigned to the transaction by the sending bank to conduct additional research ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
Someone was attempting to make A transaction on my account for about a month ever single time it was attempted itwas denied due to suspicious activity after about XXXX month of it being denied the transaction was finally allowed i don't understand as to why i cant get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: TX

Complaint narrative:
The landlord initiated an eviction case against me but voluntarily dismissed it on XX/XX/year> ( See attached Notice of Nonsuit ). Therefore, the legal fees charged are entirely improper. They applied the legal fees and sent it to collections without my knowlege. 

The landlord was required to provide an itemized statement of charges within 30 days of my move-out date ( XX/XX/year> ). They failed to do so, which may invalidate some or all charges. 

The debt was sent to collections without prior notice, denying me the opportunity to dispute the validity of these charges before they harmed my credit. 

The reported balance includes unlawful charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: OH

Complaint narrative:
NEW SERVICER : Selene Finance LP This mortgage servicer is predatory, unprofessional and very difficult to reach by phone or email. They recently started to service my loan ( XXXXXXXX XXXX XXXX XXXX sold from XXXXXXXX XXXX XXXXXXXX. 

I am trying to get Selene Finance LP to pay my real estate taxes which are due on XX/XX/year> and there will be a 10 % penalty if paid late. 
This company is the worst! I have never been late on paying my property taxes or homeowners insurance before. 

Please investigate Selene Finance LP and make sure justice is served. Consumers deserve better than to have a shady mortgage servicer servicng their home loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-02-07 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: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-02-07 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: DISCOVER BANK
State: KS

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I asked who requested to close my account because I received a letter from Synchrony bank saying I requested it. Syncrony bank never received a request from me. They did however respond to a third party acting on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
I am filing this complaint against XXXX XXXX and the credit reporting agencies ( Experian, Equifax, and TransUnion ) for violating the Fair Credit Reporting Act ( FCRA ) by improperly reporting a charged-off account and failing to correct inaccurate information after my formal disputes. 
This account was charged off in XX/XX/XXXX, yet the credit bureaus continue reporting it as past due in XXXX, which is illegal re-aging under FCRA 623 ( a ) ( 5 ). A charge-off means the balance should be {$0.00} past due, but the creditor falsely updates it, harming my creditworthiness. 
Additionally, the original balance was {$300.00}, but the creditor now reports {$480.00} as charged off. I requested a breakdown of fees and interest, yet no explanation was provided. 
Under FCRA 611 ( a ), I disputed these inaccuracies, but the credit bureaus failed to correct or delete the tradeline, violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX and the credit reporting agencies ( Experian, Equifax, and TransUnion ) for violating the Fair Credit Reporting Act ( FCRA ) by improperly reporting a charged-off account and failing to correct inaccurate information after my formal disputes. 
This account was charged off in XX/XX/XXXX, yet the credit bureaus continue reporting it as past due in XXXX, which is illegal re-aging under FCRA 623 ( a ) ( 5 ). A charge-off means the balance should be {$0.00} past due, but the creditor falsely updates it, harming my creditworthiness. 
Additionally, the original balance was {$300.00}, but the creditor now reports {$480.00} as charged off. I requested a breakdown of fees and interest, yet no explanation was provided. 
Under FCRA 611 ( a ), I disputed these inaccuracies, but the credit bureaus failed to correct or delete the tradeline, violating my rights 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 non-monetary relief
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
Notice of Data Breach and Demand for Removal of Negative Items under 15 USC Code My personal information was exposed during the Experian and Equifax Data Breach, compromising my sensitive financial data. Under federal law, particularly the FCRA and other applicable statutes, I am demanding immediate action to rectify any potential damage resulting from this breach. 
Pursuant to 15 USC 1681c-2 ( Block of Information Resulting from Identity Theft ). I am requesting that you remove all negative and potentially fraudulent items from my credit report within four ( 4 ) days of receiving this notice. Additionally, under 15 USC 1681i ( Procedure in Case of Disputed Accuracy ), I am formally disputing all negative accounts inquiries, and late payments that may have been reported because of unauthorized access to my personal information. 
Furthermore, under 15 USC 1681b ( f ) Protection Against Unauthorized Use of Credit Reports, Experian and Equifax are legally obligated to ensure that my data is not accessed or used without my explicit authorization. Due to the breach, my information was compromised, and I am asserting my rights under 15 USC 1681n ( Civil Liability for Willful Noncompliance ) and 15 USC 16810 ( Civil Liability for Negligent Noncompliance ) should Equifax and Experian fail to act accordingly. I have attached a copy of the result of the scan

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 2025-02-07 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 proce 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 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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