vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: MA

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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
We had 2 storms back to back and we had problems with our home that needed fixing and our insurance and XXXX did not help with because our insurance stated that it was considered flood and we had to fix the problem with our home because the insurance would not cover it. I got with our mortgage company and informed them that we were having problems and needed time to pay the mortgage there were trees down our home flooded and in order to remain in the home we needed to get fix. We also had leaking roof. Our mortgage put us in a forbearance for 3 months. What we did not know that at the end of the forbearance all the mortgage needed to be paid. We then sent the mortgage company the information to help us get back on track they put us on a XXXX XXXX which we paid. At the end of the XXXX XXXX they stated that they wanted to modify the loan. We already had a great interest rate but now since we had the problems with our home due to the storm the mortgage company is trying to take our interest rate up and it will be hard to keep our home in the next couple of years. I know with this trying time the company is making this the only options for us and I don't think this is right. We need help because if we don't agree they will try and take our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with USC 1681g, please delete them within 15 days. Supporting documents are enclosed.

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: FL

Complaint narrative:
Someone has been using my WorldRemit account without my authorization. I have called WorldRemit multiple times and requested that the account be closed or frozen, but they have not acted. The unauthorized use is still happening, and I have not received any help despite repeated contact attempts. I am a XXXX resident, and this has caused me financial and emotional distress. I demand urgent action and accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

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 2025-05-14 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: NJ

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

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 2025-05-14 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:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN XXXX  DAYS ACCORDING TO FEDERAL LAW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN XXXX  DAYS ACCORDING TO FEDERAL LAW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX  days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-05-14 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX  days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : XXXX XXXX Compliance Dispute Failure to Report Positive Credit History To Whom It May Concern, I am writing to formally dispute the incomplete reporting of my credit accounts under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. The following accounts are inaccurately omitted from my consumer report with TransUnion and Equifax, while Experian is properly reporting them. This omission is negatively affecting my credit profile by failing to reflect my established payment history and available credit. 

Accounts in Question : 1. XXXX  ( Authorized User ) Account # XXXX Credit Limit : {$10000.00} Balance : {$510.00} ( Updated : XX/XX/XXXX ) Credit Usage : XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX CARD ( Authorized User ) Account # XXXX Credit Limit : {$2000.00} Balance : {$770.00} Date Opened : XX/XX/XXXX Violation of Consumer Rights and XXXX XXXX Compliance : Pursuant to 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) and 15 U.S. Code 1681e ( b ) ( Requirement to ensure maximum possible accuracy ), the failure to report these accounts completely and accurately constitutes non-compliance. Additionally, under XXXX XXXX reporting guidelines, all furnished data must be complete, accurate, and up-to-date across all consumer reporting agencies. 

These accounts are essential to my credit history, demonstrating responsible usage and timely payments. The exclusion of this information skews my credit profile and affects my ability to obtain fair lending terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I ordered and provided full payment for a specific item on XX/XX/year> from a company called XXXX XXXX XXXX XXXX XXXX XXXX shipped an order to me on XX/XX/year>. I received the package sent by XXXX XXXX XXXX  on XX/XX/year>. 

Upon opening the package, I immediately saw that XXXX XXXX XXXX  did NOT send the item I ordered, which was XXXX  grams of blonde hair extensions. Instead, XXXX XXXX XXXX specifically sent ~XXXX  grams of black hair extensions. Not only an incorrect item but an item of drastically lower value than what I ordered and paid for. 

I immediately reached out to XXXX XXXX XXXX  and informed them of the issue, hoping to resolve the matter. Instead of acknowledging and seeking to rectify the issue, XXXX XXXX XXXX denied the issue. 

Since XXXX XXXX XXXX  was unwilling to acknowledge their error ( and/or possibly fraudulent practice ) I requested to return the erroneous items they sent for a full refund of what I paid. I specifically asked XXXX XXXX XXXX if they would provide a full refund if I sent their erroneous items back. XXXX XXXX XXXX  refused to answer the question and/or confirm that returning the erroneous items they sent would result in a full refund - instead, XXXX XXXX XXXX insisted that they would be willing to offer a discount on a future order. 

XXXX XXXX XXXX did not send the items I ordered, and instead sent a completely different item - specifically of lower value. When I sought to rectify the issue with the company they adamantly refused to own up to their mistake - which leads me to believe the company intentionally committed fraud by sending incorrect items - items specifically worth less than {$50.00} when I ordered items worth over {$600.00}. 

I first disputed the issue with XXXX, on XX/XX/year>, as XXXX processed the payment. XXXX conveyed that since XXXX XXXX XXXX had sent a package to that they considered the order to have been fulfilled, and closed the dispute in favor of XXXX XXXX XXXX However, the issue is specifically that XXXX XXXX XXXX  sent INCORRECT items, NOTABLY items of drastically lower value, AND refused to facilitate a return for a full refund. 

Considering XXXX 's negligence, I then disputed the charge with Capital One on XX/XX/year> as I used a Capital One credit card to pay for the purchase through XXXX. On XX/XX/year> Capital One requested additional information to continue the dispute. I immediately provided the requested information and supporting documentation on XX/XX/year> to Capital One. 

On XX/XX/year> Capital One sent a dispute denial letter indicating that I did not provide what they asked for- which is FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to formally request that TransUnion block and remove the following fraudulent and unauthorized accounts from my consumer credit file within four business days of receiving this complaint. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I dispute the accuracy of these accounts and request a full reinvestigation as required by law. 

The following accounts were fraudulently opened and must be permanently deleted from my report : A XXXX XXXX loan  with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1100.00} A XXXX XXXX loan with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$730.00} A XXXX XXXX loan with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1100.00} In accordance with FCRA Section 611, I also demand that TransUnion provide full documentation of its reinvestigation, including the specific method of verification used and any physical evidence relied upon to verify the accuracy of each account. Without such documentation, these accounts constitute prima facie fraudulent reporting and must be deleted.

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 2025-05-14 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: IA

Complaint narrative:
I am filing this complaint against TransUnion for failure to properly respond to my student loan dispute and for continuing to report a fraudulent or unverifiable account that other credit reporting agencies have already removed. Background : After submitting multiple dispute letters and identity theft documentation, XXXX successfully deleted several inaccurate and duplicative student loan accounts from my credit report. However, one account ( Account # : XXXX ) remains unjustifiably listed despite being : Not verifiable, Potentially linked to identity theft ( due to my exposure in the 2017 XXXX  data breach ), and Already removed by both XXXX  and XXXX. The continued presence of this account is damaging my ability to qualify for a mortgage and is in direct contradiction to the reporting actions of the other two credit bureaus. Violations of Federal Law : FCRA 611 ( 15 U.S.C. 1681i ) : XXXX must conduct a reinvestigation and delete unverified information. FCRA 607 ( b ) : Requires Equifax to maintain reasonable procedures for maximum possible accuracy. FCRA 623 ( b ) : If the data furnisher can not verify the account, XXXX  must delete it. FCRA 605B : As a victim of the 2017 XXXX  data breach, I am entitled to have fraudulent or disputed information blocked within four business days of my notice. Request : I am demanding that TransUnion immediately delete account # XXXX from my credit file. I request that the CFPB investigate this matter and enforce TransUnion legal obligations to ensure parity across all CRAs.

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 2025-05-14 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-05-14 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: LA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I am submitting this complaint to formally report TransUnion for failing to remove multiple fraudulent hard inquiries from my credit report, despite receiving my FTC Identity Theft Report and a written dispute outlining each unauthorized inquiry. I did not apply for any credit or authorize these companies to access my credit file. 

List of Fraudulent Inquiries ( Dates and Entities ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries were added without my consent and are the result of identity theft. I have requested their removal within four days of my written notice and received no adequate response or resolution.

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 2025-05-14 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation