vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I sent {$560.00} from my business checking account at XXXX to another party 's personal checking account at citizens bank, using XXXX The transaction was confirmed and completed on my end immediately withdrawing the money. In the past when something was wrong with the recipients XXXX or bank account the transaction would show as pending and not go through or come out of my account. This was not the case here. The money immediately came out and was sent. The recipient never received the money and I have tried calling all three parties. XXXX, XXXX, and citizens. All three are saying it's the others fault. I am thinking it is on the recipient banks end. Citizens bank. As it cleared my account and also cleared through XXXX. I would just like the money to be refunded to my account. I am able to provide confirmation of payment sent and cleared from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX. 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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App wasnt allowing me to make payments wether it was using physical card or XXXX wallet, my direct deposits was attached to the card and I was able to take money out or make purchases. I had issues every time I had to send money to other cash app users and have them send it back a different way in order to access my money. Ive lost money due to fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: National Credit Systems,Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX National Credit Systems I do not have any knowledge of this company.I have never entered into any contractual agreement or business relationship with this agency National Credit Systems . They are alleging that I owe them {$3200.00}. I have demanded that the company produce the purchase assignment agreement showing that the agency ( National Credit Systems ) has the legal right to collect on this account. I have never entered into any contractual agreement with this company, and I have yet to recieve the purchase assignment agreement which implies that National Credit Systems is not the legal owner of the debt, which mean they are not legally authorized to collect or report this debt under 15 U.S.C. 1692e and 15 U.S.C. 1692g.Since the company could not provide legal proof of ownership this account needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NC

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 2025-04-15 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:
I'm still deeply concerned that my credit report contains inaccurate and incomplete information. I've made several attempts to get this corrected, but the issues persist and continue to negatively affect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-04-15 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-15 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: MA

Complaint narrative:
I want the company to remove the fraudulent inquiries in 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 2025-04-15 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-15 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-15 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I discovered several unauthorized transactions on my Cash App account : Date & Time : ( XXXX XXXX XX/XX/XXXX ) Times Are Varied Amount : {$5000.00} Multiple Recipients I did not authorize these transactions and believe my account was accessed without my permission. 

Actions Taken : XXXX. I immediately reported the unauthorized transactions through the Cash App XXXX. I contacted Cash App Support at ( XXXX ) XXXX to report the issue and seek assistance. 
XXXX. I also reported my Cash App Card as stolen through the app to prevent further unauthorized transactions. 

Despite these actions, I have not received a resolution or refund for the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his tear of Department of Government Efficiency ( DOGE ) to ( gain access lo multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised. My privacy was violated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I sent dispute letters to Equifax, Experian, and TransUnion regarding several unauthorized hard inquiries on my credit reports. These inquiries were not initiated or authorized by me, and I requested that the bureaus provide documentation proving my authorization. 

As of today, more than XXXX  days have passed, and none of the credit bureaus have responded or provided any documentation. Under the Fair Credit Reporting Act ( FCRA ), they were required to investigate and respond within XXXX days. Their failure to do so is a violation of my rights. 

I am requesting the immediate removal of these unauthorized inquiries from all XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Coast 2 Coast Financial Group, LLC
State: TX

Complaint narrative:
after day XXXX vehicle started breaking down tried to use warranty kept getting run around had to spend XXXX  of my own money to repair, they kept making promises lied about coming to pick it up and fix it never fixed anything from we owe papers they told me i had to tow vehicle at my own expense vehicle has sat in my yard for XXXX  months after almost XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so i told them all i wanted was my money back and they told me to go to XXXX XXXX XXXX XXXX and that they were going to sue me weel i was served and now owe XXXX  of dollars for a XXXX XXXX XXXX they wont even come reposes I've left message after message to come get it but they want me to bring it to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-15 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I presume 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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
XX/XX/XXXX requested a refund from Mohela on an overcharge on student loan payment. 
XX/XX/XXXX spoke to resolution dept of Mohela and said they would disperse a refund check to me for {$1100.00} within 5-7 business days Attempted to contact Mohela Resolution Dept . but call was not passed through by the operator.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I tried to pay on this loan and the interest keeps on growing and growing, and the interest of the APR is so high I can not pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im writing to formally address the ongoing nightmare Ive experienced trying to get Equifax to correct the serious inaccuracies on my credit report. For over a full year, Ive submitted multiple disputes to correct obvious errors, yet Ive received more than XXXX letters stating that Equifax can not locate a file under my name. This is absurdEquifax has sent me reports in the past, referenced my personal data, and continues to report negative tradelines on my credit file. How can you suddenly claim my file doesnt exist? Thats just plain wrong, and frankly, it feels like you're intentionally trying to avoid fixing your mistakes. 

Equifaxs failure to investigate these disputes is not a mistakeits a willful violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The law requires you to conduct a reasonable reinvestigation of any disputed information, but instead, youve avoided your responsibilities and left me stuck with bad data that impacts my credit, financial opportunities, and overall well-being. 

Because of this blatant disregard for my rights, Ive faced denied credit, higher interest rates, and lost opportunities. On top of that, the constant back-and-forth and your lack of action has caused me tremendous stress. Ive wasted hours of my time trying to resolve this issue while you just send me letter after letter claiming no file foundsomething thats clearly not true. 

At this point, Ive had enough. I am demanding {$50000.00} in compensation for the damages Ive suffered, including financial losses, emotional distress, and the complete waste of my time and resources. This is not an unreasonable request {$50000.00} is well within the bounds of what the law allows under 15 U.S.C. 1681n and 1681o, especially considering that Equifaxs actions have been willful and in bad faith.

If this issue is not resolved promptly and in full, I will not hesitate to take this further. I will pursue legal action to seek statutory, actual, and punitive damages as permitted by law. If you think you can just ignore this, you're wrong. Im done waiting. 

This is your final opportunity to settle this without involving XXXX  or courts. I expect a response within 15 days, or I will escalate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XXXX, Chase failed to recover misapplied XXXX funds from a canceled XXXX XXXXXXXX XXXX, triggering inflated projections and shortages year over year. In XXXX, they failed to issue a compliant XXXX analysis and increase notice. In XXXX, they raised my monthly mortgage from {$1400.00} to {$1700.00} based on speculative costs and without an off-cycle correction, despite my proactive requests. 

During my active hardship application, Chase reported me late to credit bureauscausing a real estate loan denial and damaging my credit. I submitted multiple secure messages starting XX/XX/XXXX, requesting a full XXXX breakdown, explanation of payment increases, and correction of credit errors. They acknowledged receipt but failed to provide documentation or resolution. 

Ive now filed this complaint due to the harm caused, including financial loss, credit damage, and business disruption.

Company response to consumer: Closed with explanation