vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
To Whom It May Concern : I formally dispute your reporting of this account to credit bureaus under FCRA 623 ( a ) ( 8 ) and demand permanent deletion due to three irrefutable violations : 1. Contradictory Charge-Off Dates Violate FCRA Accuracy Requirements Your reporting conflicts across credit bureaus : XXXX : Charged off XX/XX/XXXX ( Account Status p.4 ) XXXX : Charged off XX/XX/XXXX ( Closed Accounts section ) XXXX : Last payment attempt XX/XX/XXXX ( Payment Grid p.3 ) This fundamental discrepancy ( 2-year variance in charge-off dates ) demonstrates failure to maintain reasonable procedures ensuring maximum possible accuracy under FCRA 607 ( b ).

2. Expired Reporting Timeline Per FCRA 605 ( c ) : Original delinquency date : XX/XX/XXXX ( first 30-day late, XXXX ) 7-year reporting window expired : XX/XX/XXXX Yet you continue reporting through XX/XX/XXXX ( XXXX update ) Continued reporting constitutes willful non-compliance with federal law. 

3. Failure to Validate Debt Despite XXXX 's " Account previously in dispute - investigation complete '' remark ( XXXX p.4 ), I have never received : Original signed cardmember agreement Complete payment history with accounting Documentation of authority to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
Credit card accounts have been removed from my credit report that I did not dispute!!

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-03-19 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: FL

Complaint narrative:
I recently discovered inaccuracies on my report that are unfairly affecting my scores and limiting my financial future. Its incredibly frustrating to deal with setbacks caused by incorrect information.

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 2025-03-19 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Attempted to get a small business loan from PNC bank, after three different promises of them making things work they destroyed my credit and denied my loan even though I have equity in major amounts vs loan request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
Equifax { XXXX XXXX XXXX ORDER } Unlawful credit reporting with out my consent Under this EXECUTIVE order Debt collection agencies CAN NOT legally furnish or report any derogatory information WITHOUT MY CONSENT to you in violation of federal law that means you reporting their information on my credit report. respond through the CFPB your letters do not show a dispute number or any reference to anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: Affirm Holdings, Inc
State: NE

Complaint narrative:
Affirm has several credit accounts XXXX on my credit report. I have tried to contact them and send letters, but they have heavy accents with language barriers very hard to understand or just hang up or keep transferring to other departments. I tried to dispute through credit bureaus XXXX XXXX XXXX they are not fully investigating the account just return a note saying items will remain with no other explanation. I want a signed contract, all transactions charges and payments to validate this account or removed off of my credit reports. Affirm has horrible customer service and very hard almost impossible to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: UT

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

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/year>

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 2025-03-19 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: HW Holding, Inc
State: IL

Complaint narrative:
Subject : Formal Complaint Against Hunter Warfield for FDCPA Violations I am filing a formal complaint against Hunter Warfield, a debt collection agency, for violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Despite my clear request for them to cease and desist all forms of communication, they have continued to report an alleged debt to credit bureaus, which I consider a form of indirect communication and an attempt to collect the debt.

Details of the Complaint : Debt Collection Agency : Hunter Warfield Original Creditor : XXXX XXXX XXXX Account Number : XXXX Alleged Balance : {$1300.00} ( Paid : 0 % ) Status : Collection account reported as past due as of XX/XX/XXXX Date Opened : XX/XX/XXXX Despite my written notice demanding that Hunter Warfield cease all communicationincluding reporting to credit bureausunder 15 U.S.C. 1692c ( c ), they have continued to furnish information about the alleged debt to consumer reporting agencies. I believe this violates the FDCPA, which states that once a consumer requests cessation of communication, a debt collector may only contact them to confirm compliance or take legal action.

Requested Resolution : I request that the CFPB investigate Hunter Warfields non-compliance with the FDCPA.

I request that Hunter Warfield immediately remove any and all reporting of this alleged debt from my consumer report, as it constitutes a continued collection attempt after my cease and desist request. 
I request that Hunter Warfield be held accountable for any violations of consumer protection laws, including possible sanctions or penalties for unlawful collection practices. 
I appreciate the CFPBs attention to this matter and request a written response regarding any action taken. Please let me know if additional information or documentation is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
I recently discovered inaccuracies on my report that are unfairly affecting my scores and limiting my financial future. Its incredibly frustrating to deal with setbacks caused by incorrect information.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I submit this written dispute to request Blocking of inaccuracies on my XXXX credit report resulting from identity theft. hard inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Experian for failing to investigate inaccuracies on my credit report despite multiple disputes. I have repeatedly requested proof of investigation and the outcome, but Experian has provided none. This violates 15 U.S.C. 1681i and 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). Their actions mirror allegations in the 2025 CFPB lawsuit against them. 

Below, are the accounts listed. 

XXXXXXXX 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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Property : XXXX NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PHH / XXXX and XXXX XXXX XXXX XXXXXXXX of PHH 's operations and observed XXXX, allowing the property to be auctioned while it was subject to loan modification processes. 
Auctioning occurred despite the property being under loan modification, indicating potential dual tracking and non-compliance with required information provisions, constituting violations of state and federal laws. 
Practices involved claims about the review process for modifications and delays in responses while proceeding with property auctions. 
Actions included wrongful foreclosure procedures violating statutory and contractual rights.

Property auctions were conducted without proper authorization and in conflict with applicable laws.

Debt collection practices were deemed excessive and potentially unfair or deceptive.

Violation of the Consumer Financial Protection Act related to unfair, deceptive, or abusive practices.

State law violations by PHH and XXXX regarding deceptive financing practices as enforced by the Office of the Attorney General.

Non-compliance with Cease and Desist Orders during mortgage modification submissions and reviews. 
Refusal to allow homeowners to review mortgage modification documents with legal counsel. 
Simultaneous advertising and pursuing sale contracts constituted dual tracking. 
Violation of XXXX XXXX concerning statute limitations on foreclosure actions. 
Use of deceptive financial practices impacting borrowers. 
Lack of response to formal document access requests from plaintiffs ' legal counsel. 
Breaches of XXXX XXXX Homeowners Bill of Rights supported by the Assembly Committee on Judiciary.

Violations of the James Frierson Bill of Rights Governing and Settlement.

Failure to comply with Consumer Financial Protection Bureau regulations. 
Non-compliance with XXXXXXXX XXXX XXXXXXXX XXXX servicing standards. 
The plaintiffs seek applicable legal and equitable remedies to address these allegations and ensure adherence to statutory and regulatory requirements, protecting the rights of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-03-19 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: FL

Complaint narrative:
I recently discovered multiple unauthorized accounts and hard inquiries on my Experian credit report. I am a victim of identity theft, and these fraudulent accounts and inquiries were opened without my authorization. 

Fraudulent Accounts Listed on Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts and inquiries were not authorized by me and have negatively impacted my 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 2025-03-19 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: NY

Complaint narrative:
I'm now requesting proof of the previous investigation. I I'm asking that you should send your method of investigation, along with all records of who you spoke with, their business, address, name, and phone number, as well as the documentation that proves this account was late, if you can not provide it with this information in 15 days update account to PAID/ NEVER LATE and send a copy of my updated 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 2025-03-19 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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