vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: CO

Complaint narrative:
I took out a personal loan for XXXX and was expecting to pay interest and fees however when I looked online to see the payment schedule I noticed they are charging me 602.24 % interest with a total of {$9.00}, XXXX paid in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
I was not using XXXX  XXXX in XXXX. I am with XXXX XXXX and been with them since I moved in XXXX. I paid my final bill with XXXX  XXXX in XXXX Contact info Name XXXX XXXX XXXX XXXX  Address XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$330.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX I been reporting this is not mine Account info Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$900.00} Highest balance {$1200.00} Terms - On record until XX/XX/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 explanation
Consumer complaint received 2025-02-12 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: NV

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX  - XXXX - {$18000.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-02-12 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-02-12 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: NV

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights.

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NV XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
Transunion is reporting XXXX  on my credit report as a charge-off however I have never received a 1099c for this account if this account was written off on their taxes how is there still a balance? Please provide me with the 1099c so I can file this on my taxes as income. Also how is this account charged off along with a late payment for XX/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 2025-02-12 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: FL

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 2025-02-12 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3100.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$730.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$760.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$8300.00} XXXX # XXXX XX/XX/XXXX XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX. ) # XXXX XX/XX/XXXX -- {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

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 2025-02-12 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3100.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$730.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$760.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$8300.00} XXXX # XXXX XX/XX/XXXX XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX. ) # XXXX XX/XX/XXXX -- {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

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 2025-02-12 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-02-12 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: GA

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding my recent experience with the three major credit reporting companies ( Experian, Equifax, and TransUnion ). Despite my efforts to dispute fraudulent accounts and erroneous information on my credit reports, my requests were denied on the basis that the disputed accounts were linked to accounts with a history of payments belonging to me. 

On XX/XX/2025 I sent detailed requests to each credit reporting agency requesting the removal of fraudulent accounts, late payments, false addresses, and false names associated with my credit report. I provided supporting documentation & police reports to demonstrate that these accounts do not belong to me and are the result of identity theft or inaccuracies. 

However, the agencies denied my requests, citing that the accounts were linked to my legitimate accounts. This reasoning is unsatisfactory, as I believe the linked accounts are misrepresented and do not reflect my accurate credit history. I have never consented to these accounts & charges and have taken steps to protect my identity. 

The denial of my dispute has negatively impacted my credit score, and I am concerned about the potential consequences for my financial future. I believe that the credit reporting agencies have not adequately investigated my claims and have failed to uphold their responsibilities under the Fair Credit Reporting Act. 

I kindly request that the CFPB investigate this matter further and assist me in resolving the inaccuracies on my credit report. I appreciate your attention to this serious issue. 

Thank you for your assistance.

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 2025-02-12 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: GA

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding my recent experience with the three major credit reporting companies ( Experian, Equifax, and TransUnion ). Despite my efforts to dispute fraudulent accounts and erroneous information on my credit reports, my requests were denied on the basis that the disputed accounts were linked to accounts with a history of payments belonging to me. 

On XX/XX/2025 I sent detailed requests to each credit reporting agency requesting the removal of fraudulent accounts, late payments, false addresses, and false names associated with my credit report. I provided supporting documentation & police reports to demonstrate that these accounts do not belong to me and are the result of identity theft or inaccuracies. 

However, the agencies denied my requests, citing that the accounts were linked to my legitimate accounts. This reasoning is unsatisfactory, as I believe the linked accounts are misrepresented and do not reflect my accurate credit history. I have never consented to these accounts & charges and have taken steps to protect my identity. 

The denial of my dispute has negatively impacted my credit score, and I am concerned about the potential consequences for my financial future. I believe that the credit reporting agencies have not adequately investigated my claims and have failed to uphold their responsibilities under the Fair Credit Reporting Act. 

I kindly request that the CFPB investigate this matter further and assist me in resolving the inaccuracies on my credit report. I appreciate your attention to this serious issue. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding my recent experience with the three major credit reporting companies ( Experian, Equifax, and TransUnion ). Despite my efforts to dispute fraudulent accounts and erroneous information on my credit reports, my requests were denied on the basis that the disputed accounts were linked to accounts with a history of payments belonging to me. 

On XX/XX/2025 I sent detailed requests to each credit reporting agency requesting the removal of fraudulent accounts, late payments, false addresses, and false names associated with my credit report. I provided supporting documentation & police reports to demonstrate that these accounts do not belong to me and are the result of identity theft or inaccuracies. 

However, the agencies denied my requests, citing that the accounts were linked to my legitimate accounts. This reasoning is unsatisfactory, as I believe the linked accounts are misrepresented and do not reflect my accurate credit history. I have never consented to these accounts & charges and have taken steps to protect my identity. 

The denial of my dispute has negatively impacted my credit score, and I am concerned about the potential consequences for my financial future. I believe that the credit reporting agencies have not adequately investigated my claims and have failed to uphold their responsibilities under the Fair Credit Reporting Act. 

I kindly request that the CFPB investigate this matter further and assist me in resolving the inaccuracies on my credit report. I appreciate your attention to this serious issue. 

Thank you for your assistance.

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 2025-02-12 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: CA

Complaint narrative:
The mistakes on my report are not just frustratingthey are causing me real financial harm. I have already lost opportunities because of these errors, and I refuse to continue being penalized for something that is not my fault. This is unacceptable, and it needs to be fixed immediately.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
The company called and said I have an outstanding bill that I need to make arrangements to pay a student loan. I requested a copy of the original agreement with my wet signature stating I owe them. Then, I requested books of accounts and financial and corporate records regarding this alleged debt pursuant to 15 USC 44. Note : This debt was permanently filed as paid in full due to my filing for XXXX XXXX for the past 8yrs.

The company is reporting three different collections with the same account number, with never late, missing payments, and owed amounts under the same account number. Never got a response from Dept ED/XXXX for the request mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with explanation