vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: ND

Complaint narrative:
I have previously disputed with XXXX XXXX  and XXXX XXXXegarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt my credibility. I'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 non-monetary relief
Consumer complaint received 2025-05-20 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: ND

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Date : XXXX  Amount : {$65.00} Actions taken by me : I contacted cash app and XXXX XXXX bank.

I contacted cash app in regards to my account being closed for no reason and when i went to chat with XXXX XXXX/cash app they told me they are unable to disclose to my why my account was closed and keep giving me the run around as to why i cant withdraw my funds. They gave me steps to withdraw my funds and when i told them that i already tried those steps they pretty much told me that {$65.00} dollars i cant retrieve is pretty much a loss. Im not going to allow cash app to keep my money and not give me funds that i received from my brother in law for loosing my mother here recently. He sent me those funds towards my mother urns and i cant even get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC Report Number : 187369737 ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXX/XX/XXXX Account Number : XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent data.

Several times I have contacted the credit bureau to report this fraudulent account, and the bureau has not provided a solution to this issue. I am being seriously affected, as this situation prevents me from acquiring a new home for my children. This fraudulent account was already eliminated and not verified by other bureaus, so I do not understand why it is being claimed that this account belongs to me.

I have requested contracts from the company reporting this account, and for more than 60 days, I have not received any response. Please help me by immediately deleting this account. I am attaching the FTC report, hoping that you will make a fair and appropriate decision in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 2025-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
In XXXX I applied for and was approved for loan forbearance on my mortgage. The application was approved. The terms of the forbearance were that the unpaid balance would be aded to the end of the loan as regular payments, thus extending the length of the loan term. The terms stipulated that no payments would go toward paying down the forbearance until the end of the original loan term. 

On or about XXXX my loan was sold from XXXX to " Mr Cooper '' Mr Cooper immediately increased the payment for my mortgage. My mortgage statement showed that there were payments being made toward the forbearance. 

On XX/XX/XXXX I contacted the mortgage holder ( Mr Cooper ) and questioned why they were paying the forbearance. I wanted clarification on what the statement showed. 

The representative was unable to give an answer. I have come away empty after several attempts to get clarification on what the mortgage statement showed and why there was an increase in the payment amount. 

In addition, the new loan servicing company ( Mr Cooper ) has increased our escrow payments by 36 % Neither our homeowners insurance nor property taxes have increased more than 10 %. The added escrow certainly is not justified. 

As a retiree and a Veteran XXXX my wife and I are on fixed income and can not afford to pay more than necessary. 

I am asking for clarification and, where ever appropriate, proper allocation of my past payments and a corrected total mortgage balance and / or corrected monthly payments. It is my right to pay the mortgage as per the terms of the original mortgage and as per the forbearance agreement. 

Additionally, I am asking for a review and adjustment of our escrow payments and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Unauthorized inquiries on my consumer report. I am a victim of identity theft and i dis not apply for credit with these companies they had no permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing this complaint as a follow-up to CFPB Case ID [ XXXX ]. 

I have provided Cash App with a certified letter from XXXX XXXX XXXX confirming the release of a {$100.00} incidental authorization hold, with no final charges. Despite this, Cash App continues to withhold my funds, now for over a month. 

I am attaching this documentation for your review. This appears to be an unjustified hold of consumer funds despite proof of resolution from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
Based on my previous complaint against Experian I was told the accounts were verified as accurate and verified. therefore I request method of verification who did you interview with to confirm that this account is 100 % accurate, and validates this account belongs to me, what did they say, provide me with the documents that were provided to you, what number did you call, what time did you call? provide this to me within 15 days if this can't be provided remove this from my credit report immediately. this account is reporting different closing dates which concludes inaccuracies violation to the FCRA, FDCPA, and Reguation F. Experian did not verify this account my consumer rights is being violated Experian is currently being sued for improperly investigating disputes as you are with my disputes. also the account " XXXX  '' was improperly reporting violating FDCPA stating " I've been paying on student loans '' which I've never paid any student loan account which means they're inaccurately reporting the payment history, terms, account status are being inaccurately reported by Experian. these accounts were investigated and removed with other credit agencies. I hereby ask that Experian Provide me the documents and information I requested Or remove from my credit reports 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I'm a XXXX XXXX XXXX XXXX XXXX in XXXX XXXX in the U.S. 

The properties ( located in XXXX, OH ) are owned by a XXXX XXXXXXXX. I recently XXXX  a new XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX ) to manage all properties current and in the future, as I intend to purchase properties in Texas as well. In which case they will need to be under a XXXX XXXXXXXX. 

Therefore, last XXXX I opened a new bank account ( savings and checking ) with U.S. Bank for the XXXX XXXX. I transferred funds from the existing XXXX XXXXXXXX bank account to the new U.S. Bank account. Those funds originate from a Cash out refinance of one of the properties in XXXX, OH. I provided this proof of funds including bank statements and everything relevant to show the origin of those funds. 

On XXXX U.S. Bank closed my account and wouldn't transfer me the funds back or send me a check. I tried understanding the reason for holding my funds and it appears to be suspicion for fraud. I do everything lawfully and in case there is a miss-information or any required data the bank needs, I will be more than happy to provide this information and definitely cooperate. But so far, and after several calls, they wouldn't get back to me or let me know what are the next steps. I would like to get my funds back the soonest as this is putting my business in a very fragile position.

I'll appreciate your help in getting my funds back. 

Thank you, 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have documentation proving that the following accounts were previously removed from my credit file and reinserted without proper notification. 
* * * * Creditor : XXXX XXXX XXXX Acct # XXXX {$2500.00} XXXX XXXX XXXX Acct # XXXX {$4000.00} Date Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian failed to provide me with the required written notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ) regarding the reinsertion of previously deleted information in my credit file.

* * * * Additionally, the payment history reported on these accounts is inconsistent and inaccurate. Specifically, 90-day late payments have been reported without prior 30- or 60-day delinquencies, and there are discrepancies in the reporting dates.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are legally obligated to report only information that is accurate and verifiable. 
* * * * * Given that the federal agency once responsible for managing these loans has been dissolved, there is currently no credible entity that can verify, collect, or legally report on these accounts. 
* * * * The continued reporting of these loans presents multiple legal concerns : Lack of Credible Verification : Without a functioning Department of Education, no recognized authority can verify the accuracy, ownership, or collection rights for these debts. 
* * * *

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 2025-05-20 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX. XXXX and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC Report Number : XXXX ) to support my identity theft claim. 

Under XXXX XXXX. XXXX, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX As required by XXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent data. 

Several times I have contacted the credit bureau to report this fraudulent account, and the bureau has not provided a solution to this issue. I am being seriously affected, as this situation prevents me from acquiring a new home for my children. This fraudulent account was already eliminated and not verified by other bureaus, so I do not understand why it is being claimed that this account belongs to me. 

I have requested contracts from the company reporting this account, and for more than XXXX days, I have not received any response. Please help me by immediately deleting this account. I am attaching the FTC report, hoping that you will make a fair and appropriate decision in my case.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Between early XXXX and XXXX, I noticed multiple unauthorized hard inquiries on my credit report from companies I have never done business with or applied for credit through. These inquiries were made without my permission and include companies such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, and XXXX. 

I did not submit any credit applications to these companies and did not authorize any of them to access my credit report. These inquiries negatively affected my credit score and do not reflect any legitimate activity on my part. I filed an identity theft complaint through the FTC and am now working to have all unauthorized inquiries removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have reached out to Citizens back on numerous occasions regarding my checking account and the freeze. Citizen has yet to release any funds and or close the account. Citizens have been charging the account {$9.00} maintenance fee when I have no access to the account to fund the account so instead they are taking money out of the balance of the funds that are on hold as well as set up a XXXX bill pay to take funds out the account monthly which is on the bank statements. This has been an ongoing case for over 3 years with no recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
Hello : I have checked my credit scores from Transunion & Equifax, and both credit reporting agencies have dropped my scores a total of XXXX ( XXXX ) points in the last two months. According to XXXX XXXX, the balance on my XXXX XXXX credit card has increased to {$66.00} when my credit utilization is below 30 %. These XXXX agencies have dropped my score another XXXX pts. today when it should NOT have ; my scores should have been increasing! 

These two agencies for the last three months have been erroneously & willfully dropping my scores and have not PROPERLY done their work regarding the correct status of my credit. When I tried to set up an online account with Equifax, I was told that my credentials do not even exist, the reason why this agency would not let me have an account with its agency. If I my information do not even exist, why do you ( Equifax ) give me a credit score all this time? 

I appreciate your help on this.

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 2025-05-20 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: IL

Complaint narrative:
In XXXX, a XXXX XXXX credit account was opened in my name without my authorization. I did not apply for or use this account. Despite this, I was held responsible for the balance and ultimately had to pay approximately {$500.00} after the account was closed in order to prevent further damage to my credit. 

This account was the result of identity theft and does not reflect any legitimate financial activity I engaged in. I have since filed an identity theft complaint with the Federal Trade Commission ( FTC ) and am actively disputing this with the credit reporting agencies. I am requesting that this account be permanently removed from my credit report by all credit reporting bureaus.

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