vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WLCC
State: CA

Complaint narrative:
I got a text saying if I would be getting paid this week. That I could pay off the balance of the account. 
I replied : Account was paid and successfully closed on XX/XX/year>. XXXX XXXX XXXX. 
I also sent them a picture of the official email from them that my account was successfully closed after I accepted their offer of XXXX XXXX 

The second text said : you dont have to pay now but we can arrange payments for the {$240.00} in XXXX payments They threated to report me to the credit bureus as a charge off if I did not pay them the {$240.00} Essentially, they are attempting to extort me for this balance when the payment has been made on their terms to close the account for {$710.00} on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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 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 2025-04-17 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: Block, Inc.
State: ID

Complaint narrative:
I was charged {$300.00} on XX/XX/XXXX. I then was charged {$300.00} in XX/XX/XXXX. There was another charge for {$280.00} and another one for {$35.00} in XXXX. 

I called the company associated with these charges, and I was told that there was no record of these charges. With that card number. I was told that the XXXX suggested that it was fraud. I asked if our conversations were recorded and asked if they would work with my bank to resolve the issue. They agreed to cooperate and help resolve the issue. 

For the record this company is a monogram company. Why would they take {$300.00} multiple times for monogrammed gift????? I dont and would not use this service. 

I then disputed the charges through Square which is associated with XXXX XXXX. They came back over email and said they believe the charges are valid. I then called Square to try to resolve the issue further and the lady on the phone said there was really nothing further she could do. I have attempted to contact Square again through email. I believe this is my only option left.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
I am disputing a charged-off secured credit card account from Self Inc. that is reporting inaccurately on my credit reports. I have submitted formal disputes to the credit reporting agencies under my rights through the Fair Credit Reporting Act ( FCRA ) and I am now escalating the matter to the CFPB for further investigation. 

Here are the specific concerns : The account is listed as charged off, but this was a secured card backed by a deposit. If the security deposit was used to cover the balance, the amount charged off is inaccurate. 
I have not received any documentation or itemization of how the charge-off amount was calculated or how/if my security deposit was applied. 
No written notification of the impending charge-off was provided. 
I requested verification and a detailed breakdown from the credit bureaus and/or Self Inc. , but have not received a proper response within the legally mandated time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing to file a formal complaint and dispute regarding a collection account listed on my credit report by Portfolio Recovery Associates in the amount of {$460.00}, reported on XX/XX/year>. 

I have no knowledge of this account and have never received any communication or documentation from Portfolio Recovery Associates regarding this alleged debt. I have not been provided any validation of this account, nor do I recognize the original creditor or any prior transaction related to this balance. As such, I believe this account may have been reported in error, may involve mistaken identity, or may otherwise be invalid. 

Under my rights established by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request that this matter be thoroughly investigated by the CFPB and that Portfolio Recovery Associates be required to provide proper validation of the debt. This includes : The name and account number of the original creditor. 

A copy of any contract or agreement bearing my signature. 

A full transaction history to substantiate the amount allegedly owed. 

Proof that Portfolio Recovery Associates has legal authority to collect this debt. 

Until such documentation is provided, I request that Portfolio Recovery Associates cease all collection activities and that this account be marked as disputed on my credit file. If the company is unable to validate the debt, I am requesting its immediate deletion from all credit reports ( XXXX XXXX XXXX XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXXXXXX XXXX- Incorrect Personal XXXX XXXX XXXX XXXX  XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXXXXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX  - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all 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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX i receiveda text message at XXXX asking if i made a purchase in the amount of {$2600.00}, i think that is the amount i have it at home. I said no, i was then provided a text with a phone number, " the message kept saying due to the high call volume we can not take your call '', I was given another number in which is stated they were not in until XXXX the next day. I waited untilr the next day, the card was on hold, no explanation on where the fraud came from what state, yet they let the funds go through, i then went to the branch spoke to someone there, i can do nothing do to the fact it was pending. Today I called and asked to speak to a supervisor, who proceeds to tell me that the number I called and the message '' due.to the high call volume we can not take your call is a generic message rhey have no one handling fraud calls after XXXX, I have been very upset it was a large sum of money wiped out my entire checking account, then i told the lady to stop talkong to me like " XXXX '' huntington has a XXXX tolerance rhey have remove my access to my account and from calling, told me i can walk into a branch to see the status of the account I have been told various things in the last 2 days, not XXXX person has said the same thing and not XXXX person has treated me like i am a victim i have been treated like i commited a crime, i dont care about banking with Huntington I XXXX care about my almost {$2700.00} that was allowed to be stolen from me and the lack of fraud department by a bank is pathetic. Then i spoke to a woman today who said you could have called the credit card department how would I have known that was that told to me when the fraud took place, or I should have known?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
This is a new and distinct complaint regarding an unresolved debt dispute with Transworld Systems Inc. ( TSI ). My previous CFPB complaint was marked closed before I received a follow-up response from TSI dated XX/XX/year>. 

In that response, TSI again failed to validate the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). They increased the amount owed to {$3100.00} up from {$3000.00} on XX/XX/XXXX and {$3000.00} on XX/XX/XXXX but did not provide any itemized breakdown of how that amount was calculated. The debt continues to accrue interest even though the account was supposedly placed in a non-collectible status. 

I have repeatedly requested : A full itemization of the debt including all interest, fees, and penalties Documentation showing XXXX XXXX was covered by XXXX  at the time of the services Proof of any overpayment made to XXXXXXXX XXXX signed agreement or acknowledgment of responsibility None of this information has been provided. 

Additionally, I contacted XXXX XXXX, XXXX XXXX, and the XXXX XXXX XXXX. All three confirmed they have no record of XXXX XXXX ( formerly XXXX XXXX ) ever having XXXX  coverage, submitting pharmacy claims, or receiving any overpayment. 

The documentation provided by TSI contains inconsistencies and fails to meet FDCPA requirements. They continue to reference creditor claims of validity without supplying the legal proof necessary to support those claims. This is a continuing violation of 15 U.S.C. 1692g and my rights as a consumer.

This complaint includes new information and actions that occurred after the previous case was closed. TSIs latest response ( XX/XX/year> ) introduced new balance changes and continues to violate the FDCPA by failing to provide required documentation. This is not a duplicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a co-signer on a student loan with XXXX XXXX. On my credit report it shows that payments made in XXXX and XXXX of XXXX were more then XXXX  days late, and payments from XXXX and XXXX of XXXX were also XXXX  days late. I have shown them proof where the payments were not more then XXXX  days late and the company continues to keep updating my credit as current and then weeks later they will go back in change those months to being XXXX days late, so my credit keep fluctuating. I would like to have proof of these payments being XXXX  days late but they will not show me proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: PA

Complaint narrative:
Earlier today, I came across some incorrect entries on my credit report that I can't explain. I check my report regularly, and this time, unusual discrepancies appeared. I thought it could be a simple glitch, so I refreshed the browser, but the false accounts were still showing. Because of this, I am requesting a detailed review of the documents I provided to ensure this issue is resolved once and for all.

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 2025-04-18 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: FL

Complaint narrative:
This is my second formal complaint regarding TransUnion 's continued reporting of inaccurate mortgage late payments on account XXXX  XXXX. Despite my previous dispute, TransUnion still reports late payments for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I formally denied the accuracy of this information and requested manual verification including copies of statements issued XXXX  days before due dates and proof of payment dates, as per XXXX XXXX XXXX ( TILA ). TransUnions investigation appears to rely solely on automated data exchange systems ( e-OSCAR ), which has been deemed insufficient under case law such as XXXX XXXX Trans Union XXXX and 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 2025-04-17 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
In XX/XX/XXXX I went into the One Main Financial branch in XXXX Virginia to borrow about {$2500.00}. The representative told me because my wife was on the title with me I needed to go to DMV and put the title in my name only because my wife was not going to be on the loan and that she would wait until we came back with the updated title. So we did after the paperwork was completed she urged us to borrow the max of {$8000.00} and that we could pay back what we didnt use our XXXX XXXX XXXX  was not worth that amount. We went in for {$2500.00} and came out with an {$8000.00} loan that is now well over {$16000.00} on a vehicle that isn't anywhere near the value of this loan. Because we couldn't afford the loan, One Main Financial branch literally garnished my wages and i was fired from my job by the time we went to court and even still the representative for One Main pressured me to setup a payment plan with no job. I wasnt even offered an option to obtain legal counsel for myself. I now have a judgement from this company on my credit and I am simply unable to pay this debt i am sole provider of a family of 4 with no primary residence we are living in an extended stay motel. Trying to move and find housing but simply can not because of this debt and judgement. Not to mention they have rejected multiple settlement offers from me. Their greed needs to be investigated. They take advantage of millions of people like us who are already financially strapped to line their corporate pockets.and whats worse is they train their associates to do the dirty work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under XXXX U.S.C XXXX and XXXX U.S.C. XXXX ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore, the data furnishers have rejected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to upload their responsibilities under the FCRA constitutes a violation of my consumer rights.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under XXXX U.S.C XXXX and XXXX U.S.C. XXXX ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore, the data furnishers have rejected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to upload their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I am filing this complaint regarding how Equifax is reporting multiple hard inquiries on my credit report, related to auto loan applications that occurred within short timeframes. While I understand that dealerships may submit my credit application to multiple lenders to find financing, these inquiries should have been consolidated or treated as a single inquiry within a 1445 day window, as outlined by credit scoring guidelines. 

Here are the inquiries in question : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( via dealership ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. 


Many of these occurred on the same day or within a short time of each other, which by credit scoring standards ( XXXX, XXXX ) should be treated as XXXX event for auto financing purposes. These multiple inquiries are unfairly lowering my credit score and do not reflect the intent or structure of a single loan-shopping process. 

I have already disputed this with Equifax and received no resolution. I am requesting that the CFPB review this case and urge Equifax to remove or consolidate the duplicate entries in line with fair reporting practices. 



Best, XXXX XXXX

Company response to consumer: Closed with explanation