vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
Truist bought my mortgage from XXXX XXXX  on XX/XX/XXXX. I made all my payments on time. On XX/XX/XXXX I got a letter from Truist claiming it had no proof of insurance and threatened to buy insurance on my behalf, at an inflated price. 

On XX/XX/XXXX Truist made a payment from my escrow account to pay the insurance premium. This clearly indicates that Truist had clear knowledge of my insurance policy and made a payment on my behalf. 

When I received the letter in the mail on XX/XX/XXXX, I immediately contacted Truist. Even after admitting that Truist made the payment and after I provided the customer service representative with the evidence of insurance, Truist still refused to resolve the matter or provide any additional information that I requested or acknowledge that I had provided them with the proof of insurance as requested.

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 2025-04-22 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: NC

Complaint narrative:
Pre my lender for a mortgage All three credit bureau has reported that o have a new late payment for my XXXXXXXX XXXX account for XX/XX/XXXX. My account has been closed since XXXX with account paid in full in XXXX. XXXXXXXX XXXX was contacted and stated they have not reported anything to the credit bureau since XXXX. I have asked the credit bureau to fix this and uploaded documents showing what XXXX XXXX  has told me however, I am getting told there is nothing they can do. I have attached the letter from XXXX XXXX as well as a document from my lender showing how the incorrect late payment is being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
Pre my lender for a mortgage All three credit bureau has reported that o have a new late payment for my XXXXXXXX XXXX account for XX/XX/XXXX. My account has been closed since XXXX with account paid in full in XXXX. XXXXXXXX XXXX was contacted and stated they have not reported anything to the credit bureau since XXXX. I have asked the credit bureau to fix this and uploaded documents showing what XXXX XXXX  has told me however, I am getting told there is nothing they can do. I have attached the letter from XXXX XXXX as well as a document from my lender showing how the incorrect late payment is being reported

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-21 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: TX

Complaint narrative:
b'In accordance to the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAll accounts have violated my rights 15USC1681 section 602A: I have a right to privacy.\n15USC1681 Section 604A: a consumer reporting agent can not furnish an account without my written instructions.\n15USC1681 c.(a)(5) no consumer reporting agent may make any report containing any of the following items of records of information other then records of convictions of crimes.'

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 2025-04-21 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: TX

Complaint narrative:
b'In accordance to the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAll accounts have violated my rights 15USC1681 section 602A: I have a right to privacy.\n15USC1681 Section 604A: a consumer reporting agent can not furnish an account without my written instructions.\n15USC1681 c.(a)(5) no consumer reporting agent may make any report containing any of the following items of records of information other then records of convictions of crimes.'

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 2025-04-21 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: IN

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-21 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The account is closed and says it has been charged off but it is still on my credit report and sending monthly updates.

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 2025-04-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding American Express and their refusal to allow me to file a valid dispute for a transaction where the merchant clearly promised a refund in writing and failed to follow through. 

I contacted American Express to dispute the transaction, provided them with written communication from the merchant explicitly agreeing to issue a refund, and yet I was denied access to the dispute process. At no point was I given a formal investigation or a fair opportunity to exercise my rights under the Fair Credit Billing Act. 

I have documentation showing : The merchant acknowledged receipt of my cancellation before the product shipped. 

The merchant promised a refund contingent on return, which I initiated. 

The merchant failed to process the refund after the return was complete. 

Despite this, American Express chose to block my dispute from even being processed. They essentially acted as a gatekeeper for the merchant, rather than as a neutral party, leaving me financially liable for a product I canceled and returned according to the merchants own terms. 

This sets a dangerous precedent. Its not just a failure in customer service its a denial of the basic protections afforded to consumers when a merchant fails to deliver on their promises. 

I am requesting that the CFPB open a formal complaint against American Express for their refusal to investigate or allow me to dispute the charge, and compel them to comply with dispute handling procedures as required by federal law. 

I am happy to provide documentation of the merchants promises and timeline of events if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Earlier this month, I created accounts with the three federal credit bureaus to freeze my credit after learning my personal identifiable information was compromised during a data breach. As a result, I discovered an uncollected debt collection from Radius Global Solutions LLC with the original creditor of XXXX XXXX XXXXpened in XX/XX/year>. This is not my debt nor is it an account i created before. I am currently under my sister 's family phone plan ans have been for the past 2 years. I have not opened any other additional account from XXXX XXXX  before for other services. I have also never received notification of this debt nor this collection. I believe my information was compromised and wish to dispute 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 2025-04-21 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-21 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:
There are fraudulent items on my credit report that I did not authorize or benefit from. Ive already reported this to the Federal Trade Commission, but the items are still showing. This needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-04-21 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: FL

Complaint narrative:
I want you guys to delete bad info aside from identity theft from my credit report I can't fix my life with this bad inquiries based on 15 USC 168 1b. My right have been and continue to be violated do assist and remove all 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 2025-04-21 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: FL

Complaint narrative:
I want you guys to delete bad info aside from identity theft from my credit report I can't fix my life with this bad inquiries based on 15 USC 168 1b. My right have been and continue to be violated do assist and remove all this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, ZIP Code ] Subject : Debt Validation Request Account # [ Account Number ] Dear [ Debt Collectors Name ], I am writing to formally request validation of the debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g. I do not acknowledge ownership of this debt and am requesting detailed verification before any further collection actions are taken.

Please provide me with the following information : 1.The name and address of the original creditor.

2.The full amount of the debt, including a breakdown of fees, interest, and other charges.

3.Proof that you have the legal right to collect this debt, including a copy of any agreement bearing my signature.

4.A copy of any judgment, if applicable.

5.The date of the last payment made on this account.

6.Any documentation showing that I am legally responsible for this debt.

Under the FDCPA, you are required to cease collection efforts until you provide proper validation of this debt. Additionally, if this debt has been reported to any credit bureaus, I request that it be marked as disputed until this matter is resolved.

Please provide the requested documentation within 30 days of receiving this letter. If you fail to validate the debt, I expect that you will cease collection activities and remove any negative reporting from my credit report.

This letter serves as a formal dispute of the alleged debt. Please respond in writing only, and do not contact me by phone.

Sincerely, [ Your Name ]

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a written dispute to XXXX  regarding fraudulent activity on my credit report as a result of identity theft. I am a victim of a data breach, and I filed an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ), which was included in my dispute. I formally requested that XXXX  block and remove several unauthorized accounts and inquiries, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. These include : XXXX XXXXXXXX XXXX XXXX {$2700.00} XXXXXXXX XXXX {$550.00} DEPT OF EDUCATIONXXXX Multiple entries totaling over {$80000.00} Hard Inquiries : XXXXXXXX XXXX and XXXX XXXX I asked XXXX  to take action within the required 4 business days and provide me with an updated copy of my credit report. I also cited multiple violations of the Fair Credit Reporting Act and informed them that failure to respond satisfactorily could result in a small claims lawsuit. Despite this, I have not received a satisfactory resolution or confirmation that these fraudulent accounts have been removed or blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
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 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 2025-04-22 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:
My name is XXXX XXXX, on XX/XX/year> I received a notification that someone used my social security to take out a loan with a company named XXXX ( XXXX ) without my authorization. This is theft. I would like to dispute this. I did not authorize this or do this myself.

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