23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Background- as a precaution to the security breach by XXXX , and my husband 's identify being compromised. I put a freeze on all three credit reporting agencies in XX/XX/2018. On XX/XX/2018, I wanted to lift the freeze temporarily as my husband and I are buying a house and needed to have credit pulled. I successfully completed the temporary lift with XXXX and XXXX both online or over the phone on XX/XX/2018. I called Transunion after I attempted to go online but could not remember my XXXX pin. I spoke to three individuals about what alternatives they had in place other than requesting a new pin ( 3-5 business days ) by mail. I had to repeat my story three times. Two individuals asked me to guess what the pin was by giving them what I believed was my pin #. I was told by all three they could not give a new pin over the phone. I offered to verify past information on my credit report or give other specific identifying information. The last person I spoke with was XXXX ( no last name ) in " Special Handling ''. He offered that I could write a letter stating I forgot my pin, provide a copy of ID ( GA Driver 's License ), state the time period I would like the lift, and then provide my payment information, but he could not guarantee this request would be completed today. He said I would need to fax it over to XXXX. I repeated back the information and confirmed the fax number. The fax number was not correct and I had no way to call back XXXX directly. He didn't give his full name or his number. No one seemed concerned about asking me for my pin # over the phone and how not secure that request was but of course as XXXX said, he wouldn't want to go to jail over using my pin so I should assume the two other individuals who had version of my pin felt the same. I understand the need to protect consumers but when Transunion takes steps to protect consumers they also need alternatives that address the consumers needs who are honest and forthright. Transunion is only concerned about its company, not about instituting better procedures and protection. I spent over 2 hours on the phone stating my story to three people and not one person had a solution that worked. Extremely frustrating!
Product: Mortgage

PNC Mortgage refused to refinance but before confirmed that everything was ok and ready to do it, no returning my calls and emails ... .just sent me a letter that was denied because the application was incomplete. I faxed and mail several information requested, statements, contracts, bills copy, taxes. They offer to lower the int rate and make spend money in apprais al ( {$580.00} ) ap praissal was {$600000.00} loan was less than {$190000.00}.   Please see documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any tase. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they worked with Avant to settle the account on my behalf. In return, Avant negotiated the outstanding balance with XXXX XXXX and agreed to terms which they included on their letterhead. The agreement was that I would pay {$260.00} and that would settle my account. Since then, Avant has continued to negatively report the balance on my credit, stating that I still owe a past due amount. There is no indication that the balance was settled as agreed, instead they report that they charged off the account and I still owe a past due balance as of XX/XX/2020. I've disputed this reporting with all 3 bureaus multiple times and each time, they come back and state that Avant stated that the credit reporting is accurate and will remain unchanged. I just want my report to accurately reflect that I've settled the debt and do not owe it. I've sent the settlement letters and proof of payment to Avant to all 3 credit bureaus and they still continue to report that the tradeline will remain unchanged. I've worked hard to resolve this debt with them and they refuse to accurately update my credit report. XXXX  is the most recent bureau to deny yet another dispute of this information even though they have the supporting documents to show that the balance was paid/settled as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquiries I did not authorize and they were illegally made in my name and asking that they be removed I have sinced added a fraud alert on my credit report as I thought I had one placed on my credit report.I do n't understand how this many inquiries does n't causes a red flag with the credit bureau.I live in a 3 bedroom apt with 8 people so I need verification that " I '' made these inquiries because having my address does n't prove that. Did " I '' authorize these inquiries????
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXXXX/XX/XXXX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax web site has new url and did not update access to my credit report that i pay for?
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied to get an apartment in XXXX Ohio at The XXXX under The XXXX XXXX XXXX, but for whatever reason, there are two identical 'hard inquiries '' on my TransUnion credit file. There should only be one " hard inquiry '' from " XXXX XXXX '' on my TransUnion personal credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

dear XXXX XXXX, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

Line Item : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was on XXXX XXXX  XXXX  XXXX looking for a room to rent and a person put an ad up pretending to be renting out a room when in fact they were an affiliate with the company, " Your score and more '', and also " XXXX XXXX, XXXX XXXX sending me affiliate links to sign up saying that he needed my credit score in order to rent me a room. I signed up with both websites using my credit card and I was charged {$29.00} with " XXXX XXXX XXXX or XXXX XXXX XXXX '' and then " For your score and more '' I was charged, {$1.00} For a seven-day trial. The next day I canceled both memberships. They said from XXXX XXXX that they would refund my money within seven to 10 days. I am going to be waiting to see if I really will get the refund. I got charged a XXXX  for your score or more, but I don't know if I'll get that as a refund. When I was still communicating with him about the room I sent him screenshots of my credit reports to show him my credit score from the credit monitoring websites your score and more and XXXX XXXX XXXX, he texted me another link to another affiliate credit score website saying he needed a 3rd Confirmation of my credit score to make sure that my credit score was safe for him to rent me the room. That's when I knew it was a scam, and I texted him telling him I knew he was scamming me trying to make money off of his affiliate links with those credit score websites. And when I went to look for the ad on XXXX it was gone.
Product: Debt collection

XXXX /17  - This company has been calling my  Mother  's home repeatedly.   I have several different numbers for them :  XXXX   XXXX   XXXX  They are Zwicker and Associates www.zwickerpc.com  XXXX   XXXX   XXXX   XXXX   XXXX  MA  XXXX  I have sent letters to all companies I owed debt to explaining I do not live at my Mother 's.   I am currently ill, filed for  XXXX  and have no job and no income. I have asked many times that they not call my Mother due to the fact she is recovering from  XXXX   XXXX   XXXX  and still undergoing treatment. These calls are harassing and I have no means in which to pay them right now so I can not resolve this until I have income.
Product: Credit card or prepaid card

Credit card company is asking me to send copy of my license and SS card via fax or mail to a delaware location. They said it has to do with Patriot act. They have Credit cards locked. I have had these cards for yrs How can i get this fix ... ... No credit issues or financial problems. thx u XXXX XXXX XXXX patriot act was XXXX its XXXX No one sends SS cards to no one
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have remaining items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance : XXXX : XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$3800.00} 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 Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please note that you have 4 business days to REMOVE the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, I am writing to formally demand immediate compliance with 15 U.S. Code 1681c-2 ( a ) ( FCRA Section 605B ) regarding my request to block and permanently delete fraudulent accounts from my credit report. My original dispute letter was sent on XX/XX/2025, and your response dated XX/XX/2025, improperly denied my fraud block request. 

Legal Requirement Under FCRA Section 605B FCRA Section 605B clearly states : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of a request from the consumer to block such information. '' As per federal law, you were required to block and remove the fraudulent accounts within 4 business days of receiving my request. Your denial and subsequent investigation are improper and in direct violation of federal law. 

Challenging Your Improper Denial Your response states that my fraud block request was denied because the account history reflects prior payments, disputes, or ownership before the fraud was reported. However, these factors are irrelevant under FCRA Section 605B. Fraudulent accounts may have prior activity if identity theft was ongoing before being discovered. Your refusal to block these accounts violates my rights under federal law. 

Immediate Actions Required Block and delete the following fraudulent accounts from my credit file immediately : XXXX  XXXX XXXX ( Federal Student Loan ) Account # XXXX ( {$4700.00} ) Provide written confirmation that these accounts have been blocked and permanently removed from my credit report. 

Notice Before Filing CFPB Complaint & Legal Action Failure to comply with FCRA Section 605B is a willful violation of federal consumer protection laws. If you do not block and remove these accounts within 4 business days, I will take the following actions : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) for non-compliance with FCRA Section 605B.

File a complaint with my state Attorney Generals office for your failure to follow federal law regarding fraud blocking requests. 
Pursue legal action against TransUnion for violations of the FCRA, which allows statutory damages of up to {$1000.00} per violation, plus punitive damages and attorney fees.
Product: Credit card or prepaid card

did not receive statement from Statefarm credit card for over 6 months and had trouble on and off with their website for over 2 years ( login in ). I XXXX the balance on the card. Had a recurring payment I did not know about. As a result of getting no statements electronically via email or postal mail I was unaware of the {$50.00} balance. Henceforth I was 3 months late and only found out when I received a letter in the mail closing my account for delinquency. These late months were reported to all credit agencies and negatively affected my credit score impeding me from taking loans, doing credit card transfers and buying a house.
Product: Student loan

I attended XXXX XXXX  and was part of the XXXX et al. v. XXXX XXXX XXXX XXXX lawsuit. The case number is XXXX, and my class member ID is XXXX. I received an email on XX/XX/XXXX stating that the Department of Education has aprroved my claim for discharge of my federal student loans. I was advised that the loans would be discharged within the next 180 days, and that the Department of Education will not continue any collections activity on the loans. However, upon reviewing my credit reports, my balance in XX/XX/XXXX increased from {$75000.00} to {$76000.00}. It has been almost a year and a half since my discharge was approved, and instead of my balance going down as it should since it was discharged, it has increased. I have not received any update as to the status of my discharge or refund, if any. I submitted documentation that my wages were previously garnished by XXXX which caused severe financial distress, and these loans are still continuing to cause financial distress over XXXX  years later.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about Experians ongoing failure to provide information regarding the verification of data that I have disputed in my credit report. I have made multiple requests asking for an explanation and documentation on how the disputed information was verified. Despite my repeated efforts, Experian has failed to provide the necessary details, which I believe is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I am entitled to receive a clear and accurate explanation of how the information in my credit report was verified. Your failure to comply with this legal obligation is unacceptable and has caused me significant frustration and inconvenience. 

To resolve this issue, I request that Experian immediately : Provide a detailed explanation of the procedures used to verify the disputed information. 
Supply any supporting documentation obtained during the verification process. 
Remove the disputed information from my credit report if it can not be properly verified. 
If I do not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to address this clear violation of my rights under the FCRA. 

Please consider this letter a formal request for prompt resolution. I expect your immediate attention to this matter. 

Thank you for your cooperation.
Product: Mortgage

I am filing this complaint against XXXX XXXX for inaccurate credit reporting of a closed and transferred account that continues to be reported negatively on my credit report. The account is reporting late payments, which are inaccurate and potentially violate the CARES Act provisions, harming my creditworthiness and violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX is reporting an account negatively on my credit report, despite the account having been transferred and closed. The continued reporting of this account with late payments is inaccurate, as the account should no longer be reported by XXXX XXXX. 
The FCRA requires furnishers to report accurate information to credit bureaus ( 15 U.S.C. 1681s-2 ( a ) ). XXXX XXXX has failed to validate the accuracy of this accounts status and payment history, especially given its closure and transfer. 
The late payments in question may relate to a period during the COVID-19 pandemic when I experienced financial hardship and may have received a payment accommodation. Under the CARES Act, if an account was current at the time of a payment accommodation and the terms of the accommodation were met, the account must be reported as current ( CFPB Guidance, XXXX ). Despite this, my credit report reflects late payments, which is inaccurate and non-compliant with CARES Act provisions. 
XXXX XXXX has not provided evidence that they complied with CARES Act requirements by ensuring accurate reporting during any accommodation period. 
On XX/XX/XXXX, I mailed a dispute letter to XXXX XXXX, requesting validation of the account and correction of the inaccurate late payment information. I am filing this CFPB complaint simultaneously to ensure that XXXX XXXX handles my dispute in accordance with FCRA requirements ( 15 U.S.C. 1681s-2 ( b ) ) and to protect my consumer rights. 
The inaccurate negative reporting of this closed account is damaging my credit score, limiting my access to favorable credit terms, and potentially affecting opportunities for loans, housing, or employment. This violates my FCRA rights, which mandate that furnishers investigate disputes and correct inaccurate information promptly.

The continued reporting of a transferred and closed account with inaccurate late payments is a clear breach of XXXX XXXX  responsibilities as a furnisher. 
I request that the CFPB investigate XXXX XXXX  credit reporting practices and their handling of my dispute for this account.
Product: Debt collection

Glass Mountain Capital Address shared information about my debt with my younger sibling who shares a phone line on my mobile phone plan. I 'm not sure how they received her telephone number but I assume because I am the primary account holder they were able to locate my information. However they contacted the wrong number. I was contacted and told the collection agency threatened to sue me during this phone call. I did n't talk with them but decided to contact your office to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Product: Credit card

Capital One Representative XXXX explained to me that they sppke to the real " XXXX '' and taht theu confirmed that they didnt open an account. They never asked me to provide documenation or proof and closed borh of my accounts beleiving the alleged
Product: Debt collection

Phoenix Financial XXXX called me Saturday night at XXXX about a debt that was already paid regarding XXXX XXXX XXXX XXXX. I informed them that I paid the remaining portion after insurance and they asked for a receipt. I told them I would send one to them. The next day I found this debt on my XXXX credit report. They reported it before even receiving my receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX & XXXX, XXXX ACCT # XXXX. Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Chase bank, not clearly disclosing protection, rights for digital transfers for amount attached to my checking and savings account which leaves it susceptible to theft or fraud