vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: AL

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 2025-04-21 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXX INQUIRY XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Both of my Capital One accounts say charged off. However, Capital One never sent me a 1099. They filed a 1099 for their taxes claiming profit loss, but they never sent me said tax document for me to report it as income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates 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 EXXXX 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 2025-04-21 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:
Request to Block Fraudulent Information Due to Identity Theft I am writing to formally request the removal of fraudulent information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B. I have been a victim of identity theft, and I have identified specific information on my credit report that is not related to any transaction I have made. 

Please find the details of the fraudulent information below : Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * I have enclosed the following documentation to support my request : A copy of the identity theft report filed with the Federal Trade Commission ( FTC ), reference number : XXXX. 

In accordance with FCRA 605B, I request that you block the reporting of this information within four business days of receiving this request. Additionally, please notify the furnisher of this information that an identity theft report has been filed and that a block has been requested. 

Please confirm in writing that the fraudulent information has been removed from my credit report. If you need any further information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue swiftly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I am submitting a formal dispute regarding several unauthorized hard inquiries listed on my credit report, which were not initiated by me and were done without my knowledge or consent. The specific inquiries in question are : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries are inaccurate, unverifiable, and represent a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 604 ( 15 U.S.C. 1681b ) which establishes that a consumer report may only be obtained with a permissible purpose and with the consumer 's authorization.

Section 611 ( 15 U.S.C. 1681i ) which grants consumers the right to dispute inaccurate or unauthorized information and requires credit reporting agencies to conduct a reasonable reinvestigation.

Section 609 ( a ) ( 3 ) ( 15 U.S.C. 1681g ( a ) ( 3 ) ) which entitles me to receive the name and contact information of any party that has accessed my report. 

I have not applied for credit with XXXX XXXX XXXX  XXXX or XXXX on the dates listed above. These inquiries were made without my authorization, and no valid documentation has been provided to support a permissible purpose. 

I respectfully request that the CFPB assist in ensuring that these unauthorized inquiries are investigated and permanently removed from my credit file. I also request confirmation that the credit bureaus comply with their legal obligations to maintain accuracy and consumer protections under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: LA

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 2025-04-21 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: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year> around XXXX XXXX  I submitted documentation to Equifax in regards to me being a XXXX XXXX survivor, they responded to me via email at XXXX AM on XX/XX/year>, telling me that my request could not be processed because additional information was needed. I called them at XXXX AM on XX/XX/year> and spoke with a representative who told me that they reached out to the XXXX XXXX XXXX  program and was advised that my documentation was not valid and that I needed to submit additional information when I asked a representative of what additional information did I need to submit she said she was not sure I just needed to go to a different organization and get new documents. I attempted to reach out to the agent from the XXXX XXXX and she was not available at that time. I relate this information to the representative from Equifax and she continued to tell me that the information that I received from them was not valid and I had to get a different determination letter and everything else later on that day around XXXX noon I spoke with the agent from the XXXX XXXX stop it program and she mentioned that they did not reach out to her until XXXX AM and at that time she did confirm that the documentation was valid and she also confirmed that it was her signature on the documentation as of today, XX/XX/year> Equifax has still not resolved or updated anything in regards to my request I spoke with a representative from Equifax today who told me to resubmit the documents and the timeframe in which the request needs to be processed could be started over. I am not aware of anything listed in the FCRA section 605C in regards to XXXX XXXX that is states that Equifax or any other credit bureau is required to contact the agency to validate any documentation. I feel that they are taking an unnecessary step in delaying the process to assist individuals like myself who are survivors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: WI

Complaint narrative:
Its against the law to have child support on my credit report since 2003 15 U.S.C. 1681 et seq

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX I disputed the following inaccurate accounts on my credit report. 
XXXX XXXX Bank - Account XXXX Charged Off Date : XX/XX/XXXX XXXX  XXXX Bank - Account XXXX Charged Off Date : XX/XX/XXXX XXXX XXXX XXXX -Account XXXX Charged Off Date : XX/XX/XXXX XXXX XXXX XXXX Account XXXX Charged Off Date : XX/XX/XXXX XXXX - Account XXXX On XX/XX/XXXX, I filed my dispute, and since the XXXX XXXX XXXX Bank Accounts has been updated to Consumer disputes this information without conducting any investigation or providing me with evidence that a XXXX was issued. 
Under IRS Regulations ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ), any creditor that writes off any debt must issue a form XXXX ( Cancellation Of XXXX ) to the debtor and report it to the IRS. This document serves as evidence that the debt has been cancelled and should no longer be legally collectible. As of XX/XX/XXXX they did not provide any documentation or furnished any documents regarding any of the above inaccurate accounts. 
I have attached copies of my dispute confirmation and the credit report screenshot showing the consumer disputes notation. 
XXXX requesting that CFPB direct the bureaus to either ( a ) provide proof of the issued XXXX ( Cancellation Of Debt ) ( b ) delete the inaccurate accounts from my credit report immediately. 

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 2025-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I have been trying to apply for a deed in lieu of with XXXX different mortgage companies for the same property now for over a year and both have never sent the application. XXXX sold Freedom Mortgage my loan knowing it was already in the begging stages of foreclosure. 

I can never get the right guidance to find their application myself. I sent a request for A deed in lieu of application through Freedom mortgage 's own messaging app and my sent messages have been deleted from my account.

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 2025-04-21 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: WI

Complaint narrative:
I recently traded in my 2020 XXXX XXXX that I took a refinanced loan through XXXX XXXX XXXX. The dealership tried to pay them electronically however they have some stupid rule about how a payoff has to be submitted by physical check - further delaying payoff of my loan. The dealership overnighted a physical check to their location listed as their corporate office online. And now they are saying they never received the check. I want this place to be shut down due to their very predatory business practices. My credit is tanked because they are showing I'm late in my payments when my account should have already been paid off/satisfied.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
I am writing to formally dispute an issue regarding my student loan account referenced above, which I believe has led to an unjustified decrease of XXXX points in my XXXXredit score. This drop is linked to an incorrect or illegal reporting of information related to my loan. I noticed that my credit score dropped dramatically, and after reviewing my credit report, I found that my loan servicer reported inaccurate informationspecifically, a late payment or default status that was never applicable. 
I firmly believe that this reporting is either a clerical error or an illegal practice under the Fair Credit Reporting Act ( XXXX  ), and I am requesting that you immediately : XXXX. Correct any inaccuracies on my loan account, including removing any reports of late payments, defaults, or missed payments that were inaccurately filed. 
XXXX. Contact the credit reporting agencies ( XXXX, XXXX, and XXXX  ) to update my credit file with the corrected information and restore my score to its rightful level. 
XXXX. Provide written confirmation of the correction and a detailed explanation of how this error occurred. 


I have no emails where it states that they would be doing this change and I certain have not agreed to anything. My account also shows a different name for the student loans other than MOHELA which is not accurate as well as an increased in price.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-21 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: TN

Complaint narrative:
I am a victim of XXXX and the information listed below on my credit report is a result of that XXXX : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : WXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} INQUIRIES : XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief