vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a certified dispute to TransUnion regarding XXXX XXXX XXXX XXXX  ( Account # : XXXX * * * * ). In that dispute, I clearly requested that, if the account was verified, TransUnion must provide the mode and method of communication used to verify the account as well as the identity of the party furnishing the verification, in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

On XX/XX/XXXX, I received a mailed dispute response from TransUnion. That response did not include any of the verification information I legally requested. Instead, it included a generic verified as accurate result and a suggestion that I contact TransUnion again if I wanted a description of the reinvestigation procedures despite already having requested this information in writing. This is a clear violation of the FCRA. 

Additionally, I obtained a copy of my updated credit report, which shows that TransUnion made a material change to the tradeline : they removed the previously reported XXXX late from XX/XX/XXXX and replaced the XX/XX/XXXX status with a XXXX late. No explanation of this change was included in the mailed dispute results further confirming that TransUnion failed to provide transparency into how this account was verified or why it was changed. 

This incomplete and procedurally deficient reinvestigation has a direct impact on my ability to secure capital. I am actively launching a small business and this unverified negative tradeline is materially impacting my ability to obtain funding, which affects my livelihood and financial stability.

I am requesting immediate deletion of the XXXX XXXX XXXX from my TransUnion credit report due to TransUnions failure to follow federally mandated reinvestigation procedures and failure to provide required verification documentation.

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 2025-05-06 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
For the past one to two months, I have once again been unable to access my Equifax account. I contacted customer support today, XX/XX/XXXX, expecting a resolution. Instead, I was told that my government-issued passport ( XXXX XXXX XXXX XXXX  ), along with U.S. issued utility and bank statements, are not sufficient to verify my identity. This is entirely unreasonable and unacceptable. 

This is not the first time Ive encountered this issue. In XX/XX/XXXX, I filed a similar complaint when my account became inaccessible without warning. I raised the matter directly with Equifax and submitted a formal complaint via the CFPB. The responses I received from both Equifax 's Credit Bureau and Legal Department were dismissive and lacked any relevance to the actual problem, responses that made me question whether anyone even read the complaint at all. 

After months of inaction, my account mysteriously became accessible again without any intervention, and data slowly reappeared. Shortly thereafter, the CFPB imposed a {$15.00} XXXX civil penalty against Equifax for precisely this kind of mishandling of consumer complaints and failure to provide adequate service. 

Now the same issue has occurred againand just like before, your customer support offered nothing of value. Even more frustrating, the representative advised me to rather contact my bank to block billing instead of resolving the problem. That response is both unprofessional and unacceptable. 

While you continue to bill my card on file every month without fail, I have no access to the service Im paying for. This ongoing situation is beyond frustrating, it is abusive. I have paid for access to my data. You have my information and are charging me regularly, yet you are not delivering the service. That is a breach of consumer trust and responsibility. 

Let me be very clear. This time, I will pursue legal action against Equifax for Improper Investigation of Credit Reporting Errors and failure to provide access to paid services. Enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX  My student loans were fully discharged under the XXXX XXXX XXXX XXXX XXXX XXXX  ) discharge program. Despite this, Navient Solutions is still reporting inaccurate and derogatory information related to the discharged loan on my credit reports. 

I sent Navient a written dispute letter on XX/XX/year>, along with supporting documentation, including my XXXX XXXX XXXX XXXXXXXX award letter, the student loan discharge approval, and a copy of my credit report highlighting the incorrect information. To date, Navient has not corrected the reporting, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( b ).

The account should be reported as " Paid in Full '' or " Discharged, '' but it continues to show as delinquent, which is inaccurate and materially harmful to my credit standing. As a XXXX XXXX XXXXXXXX XXXX, this incorrect reporting has caused me emotional distress, reputational harm, and financial injury by affecting my creditworthiness and access to financial opportunities. 

In addition to the FCRA violation, I believe this situation also constitutes unfair treatment under the Equal Credit Opportunity Act ( ECOA ) and fails to properly consider protections afforded to XXXX XXXX  under federal law, including the Americans with Disabilities Act ( ADA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 2025-05-06 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and 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 non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who XXXX XXXX XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I am writing to formally dispute an incorrect address that appears on my credit report. The address in question is not associated with me and appears to be reported in error. 

The incorrect address listed is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX My correct and current address is : XXXX XXXX XXXX XXXX XXXX Ga XXXX Please investigate this matter and remove the incorrect address from my credit file. This misinformation may be the result of a clerical error or a case of mistaken identity, and I would like to ensure that my credit file accurately reflects my personal information. 

Enclosed are copies of the following documents to support my request : A copy of my government-issued ID

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 2025-05-06 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've pulled my credit report and I've noticed my credit report on this account was not reporting accurately, It shows that i have a late payment on XXXX XXXX XXXX XXXX dated : XX/XX/year> this account was in fact paid on time. The consumer reporting agencies must report all information with a complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint. I am now requesting you to investigate and provide verification proof with records showing that I had late payment. if this information can not be verified, I demand those payments to be updated to paid on time promptly. 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 explanation
Consumer complaint received 2025-05-06 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've pulled my credit report and I've noticed my credit report on this account was not reporting accurately, It shows that i have a late payment on XXXX XXXX XXXX XXXX dated : XX/XX/year> this account was in fact paid on time. The consumer reporting agencies must report all information with a complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint. I am now requesting you to investigate and provide verification proof with records showing that I had late payment. if this information can not be verified, I demand those payments to be updated to paid on time promptly. 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 2025-05-06 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: PA

Complaint narrative:
i recently applied for a home equity line of credit with XXXX XXXX  and was denied because of in accurate info on my credit reports ( TRANSUNION EXPERIAN EQUIFAX ) specifically an account from XXXX with a balance of {$1100.00} that does not belong to me and is a result of identity theft and an account from XXXX XXXX that has a XXXX balance which also was created fraudulently and a result of identity theft as well I : ve made complaints with the Federal Trade Commision and the XXXX police dept

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 2025-05-06 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: MS

Complaint narrative:
Experian is reporting 3 collection accounts from XXXX XXXX XXXX that were added after I sent XXXX timely debt validation and cease and desist letters. 
XXXX has not validated these debts, and they continued to report to Experian anyway this is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Experian is responsible for ensuring data furnishers verify disputed debts before reporting. I demand all XXXX accounts be deleted from my Experian credit report immediately due to lack of verification and continued reporting after cease and desist. 

Supporting documents are attached.

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 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
On XXXX XXXX I submitted an application for loan modification because I had been ill. 
The Loan Modification was approved after I made 3 payments. 
The Lender Arvest Bank sent a Contract for the new loan with my ex-wife 's name on the new loan agreement. 
My ex-wife was not on the Title or the original loan agreement. 
The Arvest bank sent a renewed contract. I missed the 1 day deadline to sign. The bank did not call me to tell me this important document was on its way but can call every few days to ask for their money. My home is now going into foreclosure. I should not have made the three payments I should have sold the house without wasting time On Loan Modifications with impossible deadlines. 
For example I resubmitted my loan modification on XX/XX/XXXX The bank could not process the loan modification before XX/XX/XXXX so the application was rejected. Why tell clients to waste time submitting applications if the bank knows they can not handle the application in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-05-06 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: PA

Complaint narrative:
I have asked experian multiple times there is negative items on my credit report that dont belong to me. I have disputed them and they can back as verified. I then wrote to those companies that had verified my debt through experian and asked them to provide original documents stating that if the debt was mine to the address they have on file. They did not send me any correspondence in return. I have given experian enough chances to remove the negative items that I have disputed and they refuse to remove them even though the debts are invalid.

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief