vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC XXXX XXXX XXXX XXXX The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

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 2025-05-02 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: GA

Complaint narrative:
This account as been removed completely from my credit report XXXX months ago and The company put it back again. The informations on the report is inaccurate. The opened date of the account, The credit limit, date the account was last active, the last payment date and the account status were all different across the three credit bureau, The last reported date and the high credit are also different date across the three credit bureaus. Its also show XXXX late without XXXX or XXXX been reported. This account is very inaccurate and its need to be remove immediately from my credit reports and Im including my credit reports with high lighting all the errors inaccurate reports. The name of the company is : XXXX Financial Account # : XXXX * * *. # XXXX * * * *. # XXXX * * * *. # XXXX * * * *. # XXXX * * * *. # XXXX * * * *. # XXXX * * * *. # XXXX * * * *. # XXXX * * * *. # XXXX * * * *. # XXXX * * * *. # XXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account as been removed completely from my credit report XXXX months ago and The company put it back again. The informations on the report is inaccurate. The opened date of the account, The credit limit, date the account was last active, the last payment date and the account status were all different across the three credit bureau, The last reported date and the high credit are also different date across the three credit bureaus. Its also show XXXX late without XXXX or XXXX been reported. This account is very inaccurate and its need to be remove immediately from my credit reports and Im including my credit reports with high lighting all the errors inaccurate reports. The name of the company is : XXXX Financial Account # : 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 2025-05-02 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: VA

Complaint narrative:
I have been the victim of identity theft, resulting in unauthorized and inaccurate information being reported on my credit files by Experian. My personal identifying information has been unlawfully used without my consent. As a result, fraudulent accounts and inquiries were reported, severely harming my credit, without proper verification. I previously submitted removal requests, yet these inaccuracies remain. I do not consent to a fraud alert. I demand deletion of all unauthorized accounts and inquiries.

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 2025-05-02 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 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 XXXX : 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 XXXX 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 2025-05-02 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am writing to file a formal complaint and dispute regarding what I believe to be unauthorized access to my sensitive personal and financial information related to my federal student loans. I am deeply concerned that this access may have led to inaccuracies on my credit report and puts me at significant risk of identity theft. My primary concern is that one or more entities associated with the U.S. government ( potentially including the Department of Education, its contractors, or loan servicers ) have allowed unauthorized third parties to access my student loan data without my explicit knowledge or consent. I did not authorize any third party, outside of the necessary entities directly involved in servicing my loan according to standard procedures, to access, view, or utilize my student loan inf
ormation. This unauthorized access is a serious breach of my privacy.

I believe this situation potentially violates federal laws designed to protect consumer financial information and personal data privacy, such as the Privacy Act of 1974, potentially the Fair Credit Reporting Act ( FCRA ) if this has impacted my credit report, and other regulations governing the handling of student loan information. The government has a responsibility to safeguard the sensitive data it collects and maintains, and I believe it has failed in this duty by permitting this unauthorized access.

Specifically, I request that the CFPB investigate the following : 1. How and when unauthorized third parties gained access to my student loan data.

2. Which specific government agencies, contractors, or servicers were involved or responsible for this data exposure.

3. Whether my data was accessed, used, or shared inappropriately by these third parties.

4. The steps being taken to rectify this breach, secure my data, and prevent future occurrences.

5. The impact this may have had on my credit report and any steps needed to correct potential inaccuracies or fraudulent activity.

Please find attached copies of any relevant documents, such as [ Mention any documents you are attaching, e.g., credit report sections, communication with servicers, etc. If none, remove this sentence or state " I can provide further documentation upon request. " ].

I request a thorough investigation into this matter and expect corrective action to be taken against any parties found responsible. I also request information on steps I can take to protect myself from identity theft resulting from this potential data exposure and assistance in correcting any related credit reporting issues.

Thank you for your time and attention to this critical matter. I look forward to your prompt response and investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 XXXXXX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
I applied for an auto loan with VyStar credit union. The auto loan was first approved, they sent a check out to the dealer and I picked up the car. 24 hours later, the put a stop payment on the check and told me the loan was actually declined. On XX/XX/year>, I pulled my credit report and I see an active auto loan being reported on my 3 credit reports. As a result, its having a negative impact on my credit report. I need VyStar to correct this immediately, it's been over 30 days, there's no need for this to still be reporting on my report. And it should have never been reported to my credit report because I never got approved for the loan. Please see the attached documents of 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 2025-05-02 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: CT

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized charges as well as pulling from my actual bank account that was connected to app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 checked my credit report and it looks like the information are not correct. I am filing this complaint against my student loan servicer for reporting an inaccurate and misleading 90-day late payment on my credit report without any prior 30-day or 60-day delinquency entries, which violates federal credit reporting laws and servicing regulations.

Violations of Law : 15 U.S. Code 1681s-2 ( a ) Lenders must report accurate and complete information to consumer reporting agencies. Reporting a 90-day late mark without a progression of 30 and 60-day entries violates this duty.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) I have disputed this entry with the credit bureaus. If the account can not be verified as accurately reported, it must be corrected or deleted.

34 CFR 682.208 ( c ) This federal regulation requires loan servicers to follow due diligence and outreach steps before reporting delinquencies. There is no evidence these steps were followed before the 90-day late designation.

12 CFR 1022.42 The CFPBs Regulation V requires furnishers of credit data to ensure the accuracy and integrity of all reported information. This loan servicer failed to meet that standard.

Evidence : My credit report showing a 90-day late mark with no prior delinquencies.

My loan statement/payment history ( showing no warning of progression ). 

Screenshot of the tradeline from XXXX/Equifax/TransUnion ( highlighting the inaccurate report ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
The creditor Fortiva XXXX is reporting the account was closed around XX/XX/year> and I have not received any notification. Through out XXXX current time, i have been paying this account off. They report to one agency its open and the other XXXX its closed. The creditor Fortiva XXXX reponded with : Our records indicate that your account ending in XXXX was closed due to unauthorized payments on XX/XX/year>. This was closed without any notification and erroneous reporting to credit agencies. The account currently sits at {$960.00} out of a {$2000.00} credit line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 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: MARINER FINANCE, LLC
State: NC

Complaint narrative:
Mariner Finance is continuing to report a loan account to the credit bureaus despite an active arbitration case being filed against them. The reporting does not reflect that the account is in dispute, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ). I entered into a loan agreement with Mariner Finance that I believe involved deceptive and unlawful lending practices. As per the contracts arbitration clause, I filed for arbitration through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Despite this active arbitration, Mariner Finance continues to report the account to credit bureaus without marking it as disputed, and with derogatory remarks that are causing ongoing harm to my credit profile and financial standing. 

This is a direct violation of : FCRA Section 623 ( a ) ( 3 ) Furnishers must report an account as disputed if a consumer notifies them of a dispute.

CFPB Regulation V Requiring accurate and fair credit reporting.

North Carolina General Statutes ( UDTPA ) if applicable, for unfair/deceptive business practices.

Ive already submitted notice of arbitration to Mariner Finance and provided all required documents to the XXXX. They are aware of the legal status of this account, and yet they continue to report it as if no dispute exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to formally request a copy of my Tenant Screening Report maintained by your agency. As a consumer, I understand that I am entitled to access this information under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the data being reported about me. Please consider this letter as my official request to obtain the most recent tenant screening report associated with my name and personal information. If additional verification is required, I am willing to provide any necessary identification documents upon request.

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 2025-05-02 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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

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 2025-05-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: GA

Complaint narrative:
I done made two complaints and both the complaints I guess the person who wrote them must have been a I guess an idiot because they the problem was money missing on my card all right their their solution or their answer to the problem with all gravy and all good I guess but what about my money what am I getting that back and as for looking up the looking up on my on my card or whatever on my history and and looking for the money to come up if they got all that on their computer they can do it I ain't got to do all this to prove that they took my money they know they took my money and they know how to get to the to the transactions I feel like they should do it if I got to do it I should get way more than what they took from me

Company response to consumer: Closed with explanation