vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NM

Complaint narrative:
XXXX XXXX XXXX opened two fraudulent collections accounts with XXXX XXXX in my name. 

Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) : I was wrongfully evicted after management lied about not receiving funds. I have proof of management neglecting to deposit the funds in order to justify the eviction. 

Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) : I never lived here, but the account for the unit was still placed in my name. XXXX told Hunter Warfield I was evicted from a prior unit of theirs then reapplied. I was never evicted prior ; the unit I would eventually be wrongfully evicted from is my only eviction. 

I had every intention to continue my lease. XXXX XXXX XXXX engaged in fraudulent and unprofessional behavior to justify forcing me to be homeless. I have kept all correspondences, records and other evidence to support my claim. I only need to be heard fairly. 

I have been having slight technical issues with this website. Is there any way I can email you all my evidence? 

Thank you all for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told/informed Experian, XXXX, and XXXX to reinvestigate and or remove these accounts : FRAUDULENT EXPERIAN, XXXX, XXXX XXXX ACCOUNTS : 1. XX/XX/XXXX> {$0.00} * Account # : XXXX * Date Opened : XX/XX/year>2022. 
In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regard to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 15 U.S.C. 1681s-2 ( A ) ( 1 ) [ A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1666b, 15 U.S.C 1681n-2.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a freeze lifted off my account with equifax on XX/XX/year> and although it shows it is not frozen, when lenders try and access it, it is still showing frozen on their end. Equifax says it is not frozen but when trying to get access it states it is still frozen. I need equifax to fix the issue so mycredit report can be accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-30 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: MI

Complaint narrative:
This account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent and inaccurate. I have attached a FTC report, also I have attached a 15U.S.C 605B letter. Also I have attachment 15U.S.C 1681i ( a ) 1 and 15U.S.C 1681i ( a ) 6 ( B ) 3. Please block or remove this fraudulent account form 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 2025-01-30 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: MI

Complaint narrative:
This account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is fraudulent and inaccurate. I have attached a FTC report, also I have attached a 15U.S.C 605B letter. Also I have attachment 15U.S.C 1681i ( a ) 1 and 15U.S.C 1681i ( a ) 6 ( B ) XXXX. Please block or remove this fraudulent account form 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 2025-01-30 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: MOHELA
State: NE

Complaint narrative:
I provided account information to resolve a serious billing error ( Mohela stole my XX/XX/year> student loan monthly check payment... they cashed the check and never applied it towards my loan ). After 4 hours of on-hold, any person who answers for Mohela will take my account information and asks what is the issue. I tell them they miss-applied MY student loan to their private account instead of applying MY payment towards MY student loan ( they cashed the check and pocketed the money from my loan payment ... basic theft ). After 4-hours, the person who answered this time said she would have to forward me onto another department ( this is the code they use to place a barrower into the oblivion that is their phone/on-hold system, so they don't have to fix Mohela 's billing department errors ) . I asked the woman " how long is the hold? " ... ..Answer : " 40 minutes '' ... XXXXOnce forwarded, I found out it was 4.5-hours, which places the call beyond their XXXX XXXX XXXX EST hours of operation ... so the hold time is actually 24-32 hours long for a single call. The biggest problem I have is their phone system and getting a live person to do their job and fix what should be a simple issue to fix. As a student loan borrower who is current on my loan, and has been for XXXX, I fear giving Mohela any addtional money in fear they will simply pocket the money as pure profit and not apply it towards my loan... .meanwhile my credit report and financial future takes a beating and my student loan only grows with penalties and rate increase even though I'm making the payments ontime/everytime ... XXXX?!?!?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
I requested a balance transfer from US BANK my AAA credit card. I provided them with my XXXX XXXX account number. A mistake was made and a paper check was sent to XXXX. They cashed the check even though I DO NOT HAVE AN ACCOUNT with them. They should have returned the check to US Bank. I have reached out to both banks and I am told by both of the the other bank has to research it. I have sent several letters to both banks also certified mail to them. I have a copy of the check and the account number on the check is my XXXX  XXXX account number. No one is willing to research it. 
The money is somewhere but I never got it. Any help would be appreciated. I have been trying to resolve this issue since XXXX. 
The check amount was for {$3600.00} check no XXXX dated XX/XX/year> made out to XXXX. 

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 monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NV

Complaint narrative:
A landlord withheld a {$2500.00} deposit, and charged an additional {$810.00}. 

They did not have a judgement agains the tenant per Nevada law XXXX. 

We filed and won a small claims court aware of a returned deposit, and removal of creditor. 

I notified Hunter Warfield, and they have not removed as been unable to verify with rental agency. The judgement deicision is case XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: 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 & # 39 ; 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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to remove a fraudulent account from my credit file despite my repeated disputes. The account in question is XXXX with an account number of XXXX opened XX/XX/year>, which does not belong to me and was opened fraudulently. 

TransUnion has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation after I disputed the account.

15 U.S.C. 1681s-2 Furnishing inaccurate information despite being notified of the dispute.

15 U.S.C. 1681i ( 5 ) Failure to delete inaccurate or unverifiable information from my credit file.

15 U.S.C. 1681e ( b ) Failure to ensure the maximum possible accuracy of the information reported.

I have provided all necessary supporting documentation to TransUnion, including a police report and an identity theft affidavit, yet they continue to report this fraudulent account. Their failure to act has caused me financial and emotional distress.

I request that the CFPB take immediate action to ensure TransUnion complies with federal law by permanently removing this fraudulent account from my credit report. I also request that TransUnion provide a written confirmation of the deletion.

Please let me know if additional information is needed to process this complaint.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In regards to my previous complaint against Bank of America the issue havent resolved. What am supposed to do? You are saying my complaint is closed and I am left without any help to fight this giant Bank of America by myself I need your help. I am having health issues money issue and all my money is gone please help me please sir or mama I need some resolution from Bank of America.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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 2025-01-30 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 recently reviewed a copy of my credit. please remove all fraudulent accounts.

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 2025-01-30 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: NJ

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EdFinancial Services
State: LA

Complaint narrative:
Edfinancial did not verify any information against credit reports to truly verify the identity of a consumer. I have called them on multiple occasions to get them to fix their information and even told them that what was done was fraud. They never resolved the issue and I have contacted them beginning in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NC

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
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I received a letter from XXXX XXXX ( XXXX XXXX XXXX ) that I had a debt through their credit card the Destiny Card. It is clearly a corporate card. I have never had a corporate card. I in fact have no business experience and have never owned a small business. 
The amount is no any way that I could ever imagine having the financial might to gain such a card. In essence I am not well off or in any way corporate. I wrote to them once and it did not work. 
The corporation that has that card has no relation to me. Clearly they know the name of the corporation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Robinson Economic Development Corporation
State: CA

Complaint narrative:
I'm a single mother who lives paycheck to paycheck. I obtained a loan in good faith because I needed the money for bills and expenses for my daughter not expecting to be deceived. I have not been able to make the loan payments since my hours were reduced and I'm no longer employed. I'm not able to access my loan documents on the portal so this is what I recollect. On XXXX XXXX I obtained a payday loan for {$1000.00}, the agreement was a debit of approximately {$210.00} per pay period would be debited from my bank account. The loan period was for XXXX payments that would have resulted in paying a total of {$5000.00}, 5 times the original loan. As of XX/XX/XXXX 'm no longer employed and do not have the income to make the payment. I currently collecting unemployment. On XX/XX/XXXX I called to make a payment over the phone because the website did not have my loan balance visible nor any payments options. I was told the loan was in resolution status and there was a new resolution person I had to speak in the resolution department and a new resolution portal XXXX XXXX XXXX  where the information could be accessed. The resolution rep. on the phone said he can take a payment over the phone, so my mother made a {$1000.00} payment over the phone with her card to settle the loan. She loaned me the money to settle the loan. In good faith I paid the original loan balance off on XX/XX/XXXX for {$1000.00} On XX/XX/XXXX we looked at the resolve portal and the loan still showed a balance of {$1000.00} owed and an option to settle the loan for {$520.00}. We called the resolution department to find out why the loan had not been reflected as paid and after arguing with the supervisor and being upset she said the only way to settle the loan was on the portal any payments taken over the phone are applied to the balance. That was not communicated by the resolution XXXX on the phone call on XX/XX/XXXX when the payment was made. Additionally resolution XXXX didn't advise to look at the new resolution portal until the {$1000.00} payment was already made over the phone. Why would we be talking to the resolution department and a resolution person if the loan is not being settled. I informed the resolution supervisor this was deceptive and fraudulent practice and needed to speak with a higher supervisor. She said there is no one else there today and we would need to call on XXXX. The supervisor was giving me scripted responses and said there is nothing we can do. XXXX XXXX XXXX is expecting me to pay another {$520.00} on the resolution portal to settle the loan. I'm requesting for XXXX XXXX XXXX to reflect the the loan to be paid in full/settled and to refund me the the difference of {$400.00} ( settlement offer on the portal ).

Company response to consumer: Closed with explanation