vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX XXXX EMPLOYER - XXXX XXXX EMPLOYER - XXXX XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to 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 2025-04-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date open XXXX XXXX XXXX Balance : $ 0-3O DAYS LATE late dates XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, XXXXXXXX XXXX, Equifax received my request to block fraudulent information from my credit report under Texas BCC 521.103 and FCRA 1681c-2 ( Section 605B ), along with a Texas BCC 521.103 court order, via certified mail XXXX with return receipt. Delivery was confirmed on XX/XX/year>. The request and court order identified a fraudulent accountCreditor : XXXX XXXX  ; Date Opened : XXXX ; Balance : {$5900.00} ; Account # XXXX from identity theft, supported by an FTC affidavit, police report, and proof of identity ( passport, Social Security card, proof of address ). Equifax initially blocked the account per FCRA 1681c-2 ( a ), and sent me a letter dated XX/XX/year> ( Equifax Confirmation XXXX XXXX ), confirming it was permanently deleted from my credit file. However, as of XX/XX/year>, the account is reporting again on my credit report, despite Equifaxs assurance of permanent deletion. This violates Texas BCC 521.103 and FCRA 1681c-2, as theyve allowed the fraudulent data to be furnished again, causing ongoing financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: TX

Complaint narrative:
Hi XXXX, This is XXXX with Cash App Disputes. I understand you have some concerns about this payment to XXXX. 

Based on the information available, our investigation led us to determine that this transaction was authorized by you or someone you authorized to use your credentials and no error occurred. As a result, your dispute has been closed. 

Date Status Amount Sender Recipient XX/XX/year> at XXXX XXXX Paid Out {$240.00} XXXX XXXX XXXX XX/XX/year> at XXXX XXXX Paid Out {$1000.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Paid Out {$1000.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
We had our home under contract to sell and close on XX/XX/year>. XXXX XXXX XXXX ( XXXX ) in XXXX, NC handled the closing for the buyers. XXXX requested the payoff information from Freedom Mortgage ( FM ), with our permission to release the information and obtained a payoff and wire instructions initially on XX/XX/year>. ( See letter attached. ) We closed on the sale of the home on Thursday, XX/XX/year> and XXXX attempted to wire the funds as directed in the letter obtained from FM. Said wire was subsequently declined and returned to XXXX XXXX XXXX. ( See attached from XXXX ) XXXX attempted to contact Freedom directly to determine the issue to no avail. It was not until Monday, XX/XX/year> that we were contacted by time XXXX discovered the wire was declined and tried to contact FM directly. After we learned of the issue on Monday, I made several calls myself to FM and sent emails to XXXX trying to determine what had occurred and how to promptly resolve, knowing that each day was costing us {$28.00}. XXXX was never able to obtain another payoff letter. I made a request and forwarded the letter I received from FM on XX/XX/year>. XXXX was hesitant, as to be expected to use the letter I sent them as they normally obtain that information directly for obvious reasons, avoid fraud, etc. The final payment was then made on XXXX, 6 days past the initial payoff attempt. XXXX also paid {$40.00} for the returned wire. They did not charge us for that, but they should not have had to pay it either. 
When I reached out to FM and sent them both letters and requested a refund due to their error, their only response was " we did not send the wrong information '' contact the title company. The letter attached on their letterhead they sent to XXXX shows they did indeed send the wrong wire information. They may not have a copy of the wrong letter or someone destroyed the wrong one that was sent, but someone sent it. It appears that someone in their organization, whether in error or intentionally I do not know, sent the wrong wire information and then put a corrected letter in our file. For FM to just say.. oh, we did not send the wrong information when clearly they did is a very concerning response. I submitted my request for review on XX/XX/XXXX after no response I submitted a XXXX request on XX/XX/XXXX, to which they finally did state they would let me know in a month and they did finally respond on XX/XX/XXXX. I would hope when looking at wires in large sums and seeing incorrect information somehow going out, a little better response and explanation could be provided. I believe because this is not a large amount, FM believes they can randomly deny my request without properly responding or investigating.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the 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 2025-04-02 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: TN

Complaint narrative:
MY name XXXX XXXX and I am formally disputing the inaccurate information listed on my credit report, in accordance wen 15 U.S.C. 1691b and 15 U.S.C. 16896, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as hey have no legal basis to report anything under my name Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identify theft, Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the Immediate deletion of any and all inquiries in question to correct my credit report. 

Please address this mater promptly and confirm the removal of the disputed entries.

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 2025-04-02 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
MY name XXXX XXXX and I am formally disputing the inaccurate information listed on my credit report, in accordance wen 15 U.S.C. 1691b and 15 U.S.C. 16896, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as hey have no legal basis to report anything under my name Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identify theft, Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the Immediate deletion of any and all inquiries in question to correct my credit report. 

Please address this mater promptly and confirm the removal of the disputed entries.

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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did not receive a notice that I was being reported. I attempted to contact Kohls customer service to help resolve this issue however I felt I was given the run around. I was never contacted to the best of my knowledge in regards to a late payment, never by phone, mail, email, or online access. I have always made my payments on time and can not believe I was reported with out notification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have notified the bureaus several times that the accounts are not mine and have requested proof of verification that accounts belong to me. No response from credit bureaus. 

XXXX- {$2200.00} XXXX - {$2200.00} XXXX XXXX- {$670.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: WA

Complaint narrative:
I have notified the bureaus several times that the accounts are not mine and have requested proof of verification that accounts belong to me. No response from credit bureaus. 

XXXX- {$2200.00} XXXX - {$2200.00} XXXX XXXX- {$670.00}

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I deposited my tax refund from the IRS in the amount of {$12000.00}. The following check was deposited via teller in person. I provided my ID and information as needed to the teller. 

On XX/XX/year> I got a notification that my account has been blocked. I contacted Citi bank and was informed to the representative to go into the branch to submit paperwork of proof that the check deposited was mine. I submitted the documentation and the worker at the branch advised to call on XX/XX/year> or XX/XX/year>. As it would take the department 24 to 48 hours to review. 

I called on XX/XX/year> and was told to call back the following morning as the check was still under review. 

I called in XX/XX/year> and was given the same runaround and was told to give them until XX/XX/year> as the account was pending approval. 

I called today on XX/XX/year> the representative attempted to remove the block and the department advised to give them 24 to 48 hours again. I asked if I can speak to someone from the department handling the investigation and they stated that they are unable to transfer me and they only can talk to them via email. I asked the representative if there was any way to email them and ask if my account would be resolved in 48 hours as they keep telling me the same thing. Representative said no and stated to call Friday or Saturday morning. 


Citi Bank has not made a single attempt to assist me they all give me the runaround and keep holding my money.

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 2025-04-02 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: EQUIFAX, INC.
State: GA

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 15 USC 1681. 

XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$500.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$430.00} Open Date XX/XX/XXXX inquiries XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX Date XX/XX/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 2025-04-02 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: EQUIFAX, INC.
State: SC

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( Account # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-04-02 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: CA

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 non-monetary relief