vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a formal written disputes to XXXX, XXXX  and TransUnion on XX/XX/year> via XXXX Mail regarding XXXX ( XXXX ) charged-off accounts that were inaccurately reported on my credit file. The disputed accounts were : XXXX  XXXX XXXX ( Account Number : Not Listed ) XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) The accounts were allegedly treated as canceled debt ; however, I never received IRS Form XXXX from any of these creditors, which is required for canceled debts over {$600.00}. This reporting is inaccurate and incomplete, violating the Fair Credit Reporting Act ( FCRA ), Sections 609 and 611. 
Despite providing sufficient evidence and requesting a reasonable investigation, XXXX, XXXX  XXXX TransUnion failed to properly investigate my claims and continues to report these accounts inaccurately. This failure to investigate constitutes a violation of my rights under FCRA 611, and the continued inaccurate reporting harms my financial standing and creditworthiness.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries that were made on my credit report without my knowledge or consent. These companies did not have a permissible purpose under the Fair Credit Reporting Act ( FCRA ) to access my credit information. 

I did not apply for credit, authorize any transactions, or initiate any business relationship with the listed companies. Therefore, their actions constitute a violation of my rights under the FCRA. I am requesting that these inquiries be investigated and removed from my credit report. 

Please forward my complaint to the companies involved and keep me informed of any responses or actions taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX  XXXX XXXX XXXX Tn XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account info Account name CAPITAL ONE Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Credit limit $ XXXX Monthly payment - Last Payment Date XX/XX/XXXX Past due amount {$1000.00} Highest balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized information currently appearing on my credit report. In violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( XXXX ), my personal information has been reported without my express written consent, leading to the inclusion of accounts that are not associated with any transactions I have personally made. This unauthorized reporting not only compromises the accuracy and integrity of my credit file but also constitutes a potential case of identity theft under 15 U.S. Code 1681c-2. I request immediate investigation and correction of these inaccuracies to restore the accuracy and fairness mandated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently checked my credit report and noticed that there are several mistakes. Some of the accounts listed are completely wrong, and XXXX really frustrated by this. Ive read that credit bureau is supposed to verify this information, but it seems like they havent done that properly. Ive been trying to understand what happened, but it feels like they just accepted the wrong information without checking it. Its stressful because I dont know how this could affect my credit score or my ability to get approved for loans or credit in the future. XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$9900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: CT

Complaint narrative:
I contacted XXXX who agreed to waive the remaining balance and mark the account as closed with XXXX payments of the course of several days per the attached letter. Experian has now re-added the account causing my credit score to drop. Both XXXX  and Equifax have adjusted accordingly. Experian has not after several dispute attempts. I want my report adjusted and the late payments removed as stated in XXXX letter.

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 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the validity of the debt you allege I owe and to highlight several violations of consumer protection laws in your collection practices. I do not acknowledge any debt to the following collection agencies : XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX I request that you provide full validation as required under 12 CFR 1006.34 ( b ) ( XXXX ). This includes the original creditors name, the account number, the total amount allegedly owed, and a detailed breakdown of all charges, fees, and interest. Additionally, I request a copy of the purchase agreement between the collection agency and the original creditor to verify the legitimacy of your claim. I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these issues. 

Furthermore, I am revoking your authorization to contact me via email, phone, or text message. All communication must be in writing going forward. Your failure to provide me with a reasonable opportunity to dispute this debt, as required by 12 CFR 1006.34 ( c ) ( XXXX ) ( i ), constitutes a violation of my rights. Moreover, your collection methods have been deceptive and lack the legally required disclosures. It is also unlawful for [ XXXX ] to furnish information to consumer reporting agencies without providing the appropriate disclosures as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud, which I had already provided an Identity theft report in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXXJefferson capital Subject : Cease and Desist - Credit Reporting Issue Dear sunrise I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with Jefferson with accounts number XXXX with XXXX Being the creditor XXXX This account was open 2018 in XXXX. How are you collecting on a account thats over XXXX XXXX XXXX? .I believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. XXXX. A detailed explanation of how you calculated what you say I owe. XXXX. Copies of any and all papers that prove I agreed to pay what you say I owe. XXXX. A verification or copy of any judgment, if applicable. XXXX. The identity, name, and address of the original creditor. XXXX. Proof that the Statute of Limitations has not expired on this account. XXXX. Proof that you are licensed to collect in my state. XXXX. Your license numbers and Registered Agent or Agent of Service. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. I never owned a sprint account. Please provide written confirmation of your findings within 30 days. Failure to comply with this request may result in further action to protect my rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Ongoing Dispute of Inaccurate Credit Reporting I am submitting this complaint to formally dispute an account on my credit report that I believe remains inaccurate and incomplete. Despite multiple prior dispute submissions, the erroneous information continues to be reported. It appears that no meaningful or thorough investigation has been conducted in response to my concerns. 

This matter has caused significant emotional distress and is negatively impacting my day-to-day life. I am deeply frustrated by the ongoing failure to resolve this issue. 

I want to clarify that this is not a frivolous or vague dispute. I am not seeking generic responses or prewritten template letters. I have lawfully authorized a third-party service to submit this dispute on my behalf, and I have provided all necessary identification documents to facilitate immediate processing. 

Thank you for your attention to 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Subject : Ongoing Dispute of Inaccurate Credit Reporting I am submitting this complaint to formally dispute an account on my credit report that I believe remains inaccurate and incomplete. Despite multiple prior dispute submissions, the erroneous information continues to be reported. It appears that no meaningful or thorough investigation has been conducted in response to my concerns. 

This matter has caused significant emotional distress and is negatively impacting my day-to-day life. I am deeply frustrated by the ongoing failure to resolve this issue. 

I want to clarify that this is not a frivolous or vague dispute. I am not seeking generic responses or prewritten template letters. I have lawfully authorized a third-party service to submit this dispute on my behalf, and I have provided all necessary identification documents to facilitate immediate processing. 

Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I sent bank of america two extra payments by accident, total of XXXX. I requested refund of money. Everybtime I call, I get the same answer check in the mail after 10 days. I get know results from this institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Since XX/XX/2025, I have been in contact with XXXX XXXX, XXXX. Closing Processor, as my soon to be ex-wife have been in the process of a refi-cash buyout. I went through all of the proper steps and did what she asked me to do, including meeting the notary and signing all that needed signing. 

On XX/XX/2025 I asked " Can you let me know if XXXX selected to have the funds wired to me or a check? '' I got no response. 

On XX/XX/2025 I asked " Good morning, Just following up again to see if you all can let me know if XXXX selected to have the funds wired to me or a check, and when it will take place? '' She responded, " She selected to have the funds wired. XXXX, please give him an eta on when it will be done. '' On XX/XX/ XXXX XXXX, another Senior Loan Officer responds, " Hi XXXX, Sounds like XXXX has received the cash and let the attorneys know and they will direct you all from there on how to proceed. '' XXXX all told me that the funds would be sent to me, now I am being told that XXXX has possession of the funds. Had I known things would go this way, I would NEVER removed my name from the property. This company did and said whatever they felt like they needed to in order to put me at ease, now my money is in the possession of a thief. Those funds should have been wired to me ; I have never been to a closing where the buying gets a check and not the seller. I want my funds...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Ongoing Dispute of Inaccurate Credit Reporting I am submitting this complaint to formally dispute an account on my credit report that I believe remains inaccurate and incomplete. Despite multiple prior dispute submissions, the erroneous information continues to be reported. It appears that no meaningful or thorough investigation has been conducted in response to my concerns. 

This matter has caused significant emotional distress and is negatively impacting my day-to-day life. I am deeply frustrated by the ongoing failure to resolve this issue. 

I want to clarify that this is not a frivolous or vague dispute. I am not seeking generic responses or prewritten template letters. I have lawfully authorized a third-party service to submit this dispute on my behalf, and I have provided all necessary identification documents to facilitate immediate processing. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency.

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft.

Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify account that was opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 
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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
CASHAPP has not returned my {$150.00} that was a deposit for a hotel. It has been 4 months and I have not received my deposit back.

Company response to consumer: Closed with explanation