vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
to : CFPB Team, I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX. XXXX and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under XXXX XXXX. XXXX, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : Accounts to Be Removed : Account Name / Account Number XXXX XXXXXXXX * * * * XXXX XXXX XXXX XXXX * * * * * * * * XXXX XXXX XXXX XXXXXXXX * * * Inquiries to Be Removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX As required by law, this fraudulent information should be blocked for at least XXXX year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Transunion, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than XXXX days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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 2025-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
I was asked to pay a locking fee of XXXX and when I complete or not process the loan, they promised me to repay the amount. They didnt do it yet, when I asked they stopped picking my call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
To : CFPB Team : 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 immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : Accounts to Be Removed : Account Name / Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Equifax, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: MD

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
I am writing to file a complaint regarding an account # XXXX XXXX XXXX. The account is listed as Paid as agreed, but it continues to have a negative impact on my credit report due to negative marks. Although the account is paid in full, I believe the negative entries inaccurately affect my credit score. I respectfully request that the credit bureaus or the creditor remove the negative items affecting my credit report. Thank you for your assistance in resolving this issue.

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 2025-05-04 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: NC

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
b'I have found and have disputed serious discrepancies on my consumer report that in accordance to Congress, violates section 15 US Code 1681e(b) - Compliance procedures and FCRA (Fair Credit Reporting Act) 15 USC 1681-1681x and 15 USC 1681 a(2)(i) Definition; rules of construction ; I have not provided my written consent to any credit agency, business, bureau or person to use my consumer report for sharing, to sale or to gain profit with any third party is described bt the TSR (Telemarketing Service Rule) along with TCPA (Telecommunication Protection Act) , the Department of Justice under CRM 1500-1999 1513 Prohibited Act - 18 USC 1028 described as a violation of Code 1028A - Aggravated identity theft and is also declared an act of fraud by US Code 2023 title 18 part-chap 47 - sec1028A and violation of these enactments constitutes 15 US Code  1681n  Civil liability for willful noncompliance. Delete the following tradelines listed on my Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX immediately. This is not a validation  request nor is there request nor is there an alternative action besides deletion of the listed tradelines / accounts.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I created an account with Wise, an international money transfer service, in XX/XX/2024 in XXXX. I was a XXXX resident moving to the XXXX and I required a service to transfer money from my XXXX bank to my USD bank when I moved down there. I did this successfully several times, including once on XXXX, and another time on XXXX. 

Yesterday, on XXXX, I logged into my Wise account to see that the account has been XXXX and to submit an appeal. I did so by providing a proof of address, by uploading a recent utility bill. Today, I have been notified that my appeal has been rejected and that I am unable to reopen my account. 

Wise has not provided any clarification on exactly why my account has closed and their suggestions for why my account * may * have closed ( duplicate account, its security has been compromised, they have transactions that they can not complete, fradulent activity ) do not apply to me. I presume that my account got flagged when I changed my residency from XXXX to The XXXX and they closed it without review. 

Wise was critical for my finances as I earn a salary in the XXXX but have payments that need to be made in XXXX ( XXXX. my student loans ) and now my payments are in jeopardy. I have followed your Terms of Use, please reinstate my account before I am thrown into financial jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: EdFinancial Services
State: MA

Complaint narrative:
I am writing to formally address a serious concern regarding two student loans that were opened in XX/XX/XXXX for my daughters enrollment at XXXX XXXX. While we were aware of these loans, and that they were deferred while the student was in school, and then informed that they remained in deferment due to XXXX. However, we never received any correspondence from EdFinancial regarding the loan status, repayment expectations, or the transition out of deferment. 
On XX/XX/XXXX, I was notified by my bank that my credit score had dropped significantly. After investigating, I discovered that this was due to overdue student loan payments. Upon successfully creating an EdFinancial account, I identified a past-due balance associated with the loans. Despite EdFinancial having my current home address, phone number, and email on file, I did not receive any direct notifications about these overdue payments or their resumption. However, I found over ten messages in my EdFinancial inbox, none of which had been communicated to me externally. 
On XX/XX/XXXX, I contacted EdFinancial to discuss this situation and express my concerns regarding the lack of prior contact. Unfortunately, the representative dismissed my concerns without offering a resolution. I was never informed that the loans had exited deferment or that payments were due. This lapse in communication has created undue financial hardship and has negatively impacted my credit standing. When I requested that EdFinancial remove the derogatory report from the credit bureau, I was informed that my request did not meet the criteria for adjustment. I strongly disagree with this assessment, as I was not provided the necessary payment details or due dates beforehand. With multiple direct avenues availablephone, voicemail, and postal mailEdFinancial had ample opportunity to inform me, yet failed to do so. 
For 38 years, I have maintained an exemplary credit history, successfully managing mortgages, vehicle loans, and other financial commitments without issue. It is deeply concerning that this standing has now been compromised due to a failure in communication. Rather than notifying me via a simple voicemail or mailing a letter, EdFinancial allowed the payments to become five months overdue before reporting them to the credit bureaucausing substantial damage to my credit and leading to my bank freezing my funds. 
At XXXX XXXX XXXX and approaching retirement, this issue has caused unnecessary financial strain. It is imperative that this matter be rectified with the credit bureau and that EdFinancial reassesses its mismanagement in its communication practices to prevent similar occurrences for other borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
capital One closed my account without notifying before doing it claims they think there is fraudulent activity on my account, im be a customer for log time and make my payment on time to, i tray to get answers what fraudulent activity they referred but 2 different costumer services representative cant tell why the account is closed, now will get my credited score damaged just because they decided to cancel my account without notifying or any explanation. they said the send me a letter but the letter just said the account is closed for fraudulent activity not more details. also I was accumulating rewards was around {$130.00} and now they said I loss the rewards as well because the account is closed. is really unfair this is they way capital one operate with there costumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i and 1681s-2. I have reviewed my credit file and found that the following account ( s ) contain incorrect and misleading information which does not accurately reflect my credit history : XXXX XXXX XXXXXXXX Reported by TransUnion and XXXX Account # : XXXX Inaccuracy : 1. TransUnion reports the account as 60 days past due with a past due balance of {$120.00} and a balance of {$320.00}, despite the account being closed and paid down significantly.

2. XXXX reports the account as a charge-off with a balance of {$120.00}, which conflicts with the TransUnion balance .

3. Payment history also differs between the two bureaus for multiple months ( e.g., XX/XX/2025 marked as XXXX by XXXX but XXXX by TransUnion ). 

4. Violation : Conflicting and unverifiable information constitutes a violation of the FCRAs requirement for maximum accuracy. | XXXX XXXX Reported by TransUnion and XXXX Account # : XXXX Inaccuracy : XXXX. Account is marked as Charged off as bad debt with different past due and payment status reports. 

XXXX XXXX reports multiple 90120 day late payments while TransUnion shows OK for those same months. 
3.Comments show dispute resolved without proper update across both agencies.

4. Violation : The inconsistent late payment history and unresolved charge-off entries reflect a failure to update or correct data after dispute resolution, violating 15 U.S.C. 1681s-2 ( a ) ( 2 ) and 1681i. | XXXX XXXX  Reported by TransUnion only Account # : XXXX Inaccuracy : XXXX. Account marked as Charged off as bad debt with a past due balance of {$1600.00}, but no reporting to XXXX XXXX XXXX XXXX. No monthly payment activity shown despite account history indicating a recent last payment. XXXX. Violation : Unverified or incomplete reporting of payment data violates the FCRAs completeness and accuracy requirements.

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 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : The account was charged off but its still be reported on my credit reports COMENITYCAPITALXXXX XXXXXXXX XXXX XXXX XXXX , OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to request updates and corrections to my personal information currently on file with all credit bureaus. Kindly make the following changes to ensure that my credit report is accurate : XXXX. Address : Please update my address to the following : XXXX XXXX Upper XXXX XXXX, XXXX, NJ XXXX XXXX. Name : Please update my name to : XXXX XXXX XXXX. Social Security Number : My correct Social Security Number is : XXXX XXXX. Date of Birth : Please correct my date of birth to : XX/XX/year> XXXX. Employer : My current employer is : XXXX XXXX XXXX XXXX Additionally, I request that no telephone numbers be included on my credit report. 
Lastly, I ask that you please remove any addresses currently listed on my credit report that are not deliverable by the U.S. Postal Service, as these are inaccurate and should not be reflected as per the Fair Credit Reporting Act ( FCRA ). 
Thank you for your attention to this matter. I look forward to receiving confirmation of the changes no later than 30 days upon receiving this letter. 

Sincerely, 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