vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-03 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: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXXXXXX

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction 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 2025-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
Mr. Cooper inaccurately reported my XXXX-backed mortgage as over 120 days delinquent with a {$36000.00} past due amount, despite being under a XXXX-authorized XXXX forbearance starting XX/XX/year>. This violates the CARES Act 4021 and FCRA ( 15 U.S.C. 1681s-2 ), which prohibit negative reporting during forbearance. Ive requested corrections multiple times, but Mr. Cooper refuses to update my report, severely harming my credit and financial standing. This inaccurate reporting has prevented me from securing credit and refinancing opportunities. I request immediate removal of this negative reporting and correction to reflect current status.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Under the Truth in Lending Act ( 15 U.S. Code 1601 ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), I am requesting the following : 1. Validation of the debt Provide a detailed breakdown of the original agreement, including all legally required disclosures regarding interest rates, fees, and changes to the account terms.

2. Proof of lawful reporting Demonstrate that the charge-off was reported accurately and complies with federal regulations.

3. Evidence of my liability If you can not provide the above, I request that this charge-off be removed from my credit report immediately.

Failure to comply with these requirements may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. Please respond within 30 days per federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: FL

Complaint narrative:
I was using square as a credit card processor. I did 5 transactions, no charge backs, no issues what so ever, I recieved an email that I may have a reserve, so I called two seperate times to have this explained and they said ignore it it will not apply to my account, so the following day I processed XXXX payment ( I am in construction and this was a materials deposit for a very large job ) and they held XXXX $ of it for 180 days. They told me 30 % of all my funds going forward now will be held for 180 days inaccessible until release. What margins do they think I operate at where this wouldnt essentially XXXX me and the clients enough money to purchase his materials for the bathroom. This caused five weeks of delays in starting the project as I had to take a loan out to purchase the materials HE HAD ALREADY PAID for. They told me to close the account deactivate it and it would release. THIS WAS ANOTHER LIE. I still have 52 days until release of funds. Many others in my industry complain of this practice. FUNNY STORY. They offer square lending. Wonder whos money they are using to fund that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
15 U.S. Code 1691 ( a ) ( 3 ) - it is unlawful to discriminate in any aspect against anyone who exercised their right in good faith. Credit is the right granted under title 1602 ( f ).

Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and have reason to believe and do so believe I have been wrongfully discriminated against by American Express Bank, as seen in the supporting documents, violating 15 U.S. Code S 1691 ( a ) ( 3 ).

American Express Bank ran my credit report and accused me of not paying one or more of my bills on time when in fact I have a 100 % payment history with all credit bureaus, EXHIBIT A. After uploading bank statements in the requested format, American Express alleges that the bank account was not in my name, EXHIBIT B.

Further, American Express claims have had too many inquiries in the last 12 months, when in fact, there were on two ( 2 ) inquiries on each bureau at the time of the application, for a total of 6 inquiries evenly distributed among experian, XXXX and XXXX, EXHIBIT C. 

American Express discriminated against me by taking my social security number and not processing my application in fairness, accuracy or consistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MI

Complaint narrative:
Subject : Dispute Against Equifax for Noncompliance with 15 U.S.C. 1681o To Whom It May Concern, I am writing to file a complaint against Equifax for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o.

Details of the Complaint : Nature of the Dispute : Equifax failed to properly investigate and correct inaccurate information on my credit report, despite being provided with evidence. 
Supporting Documentation : Impact : This negligence has affected my credit score and caused financial harm. 

I request that the CFPB investigate this matter and hold Equifax accountable for their After disputing with Equifax my credit on XX/XX/year> my credit score went down to XXXX points and the representation stated when I dispute something, my credit score goes down. I can not get a credit card, emotional distress, interest is high Thank you for 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 2025-02-03 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: MI

Complaint narrative:
Subject : Dispute Against Equifax for Noncompliance with 15 U.S.C. 1681o To Whom It May Concern, I am writing to file a complaint against Equifax for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o.

Details of the Complaint : Nature of the Dispute : Equifax failed to properly investigate and correct inaccurate information on my credit report, despite being provided with evidence. 
Supporting Documentation : Impact : This negligence has affected my credit score and caused financial harm. 

I request that the CFPB investigate this matter and hold Equifax accountable for their After disputing with Equifax my credit on XX/XX/year> my credit score went down to XXXX points and the representation stated when I dispute something, my credit score goes down. I can not get a credit card, emotional distress, interest is high Thank you for 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 2025-02-03 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: NV

Complaint narrative:
I want reported accounts removed.


JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
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 my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) 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.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-02-03 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:
I would like a full investigation on Equifax. I have asked for documentation to support the delinquencies and late reporting on my credit report. My score has not been updated nor my credit reporting. The only way to get his resolved is to remove my false late reporting, delinquencies and account balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX XXXX XXXX : {$19000.00}

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 2025-02-03 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
somone stole my card used it for a restaurant and the ATM withdrawal. a restaurant charge for XXXX and atm charge of XXXX on XX/XX/year> the company said it was me and didnt even bother asking me anything they didnt even look into it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred when transactions were authorized. I was charged fees dues to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX major credit bureaus ( Experian, Equifax, Transunion ) have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. The same can also be said for the other two credit bureaus ( Equifax and Transunion ). I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax, and Transunions inaction violates federal law and my rights as a consumer.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion is reporting inaccurate personal information on 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 non-monetary relief
Consumer complaint received 2025-02-03 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:
In reviewing my credit reports, I notice some inaccuracies and unauthorized accounts on my reports. According to 605B, these corrections must be made. XX/XX/XXXX ( XXXX XXXXXXXX ) {$540.00}, XXXX @ XXXX, XXXX ( XXXX XXXXXXXX ) {$0.00}, XX/XX/XXXX ( XXXX XXXX XXXX {$0.00}, XX/XX/XXXX ( XXXX XXXX ) {$1000.00}, XXXX XXXX ( XXXX XXXX ) {$670.00}, XX/XX/XXXX ( XXXX XXXX XXXX XXXX {$2400.00}, XX/XX/XXXX ( XXXX Bank XXXX XXXX {$1300.00}, XX/XX/XXXX, ( XXXX ) {$0.00}, XX/XX/XXXX ( XXXX XXXX XXXX ) {$21000.00} XXXX XX/XX/XXXX ( XXXX ) {$5200.00}, XX/XX/XXXX ( XXXX XXXX ) {$8200.00}, XX/XX/XXXX ( XXXX Bank ) {$0.00}, XX/XX/XXXX ( XXXX XXXX ) {$2500.00}, XX/XX/XXXX ( XXXX XXXX XXXXXXXX ) {$860.00}, XXXX XXXX, XXXX ( XXXX XXXX XXXX ) {$130.00} XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) {$0.00} XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) {$10000.00} XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) {$530.00} XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) {$690.00} XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) $! XXXX, XX/XX/XXXX ( XXXX XXXX Ga XXXX ). My reports and credit scores are affected with these inaccuracies and unauthorized 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