vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate the erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Laye Dates : XX/XX/XXXX XXXX Payment Status : Late 120 Days XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports list several inaccurate and outdated personal details : Name errors like XXXX XXXX and XXXX XXXX XXXX ( misspelled middle name ) Multiple addresses I havent lived at in over a decade, including XXXX XXXX, XXXX, VA and past apartments in XXXX and XXXX My correct legal name is XXXX XXXX XXXX, and my current address is XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX. 

These incorrect names and addresses could lead to identity confusion or mismatches and may result in mixed files or denial of credit. Please remove all incorrect name variations and outdated addresses that no longer reflect my identity or residence history. 

I have attached a document listing the correct information and highlighting the inaccuracies on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: VA

Complaint narrative:
My credit reports list several inaccurate and outdated personal details : Name errors like XXXX XXXX and XXXX XXXX XXXX ( misspelled middle name ) Multiple addresses I havent lived at in over a decade, including XXXX XXXX, XXXX, VA and past apartments in XXXX and XXXX My correct legal name is XXXX XXXX XXXX, and my current address is XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX. 

These incorrect names and addresses could lead to identity confusion or mismatches and may result in mixed files or denial of credit. Please remove all incorrect name variations and outdated addresses that no longer reflect my identity or residence history. 

I have attached a document listing the correct information and highlighting the inaccuracies on my reports.

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 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
My personal and financial data was compromised violating FERPA.I request full cancellation of my student loan debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear TransUnion, I am formally disputing the continued presence of the XXXX tradeline on my credit report. This account is not only inaccurate, but also duplicative, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) due to incomplete and outdated reporting. 

According to a documented response from XXXX XXXX XXXX ( XXXX ) the debt buyer who legally acquired this account in XXXX XXXX account was assigned to them and no longer belongs to XXXX. XXXX has since terminated all collection efforts and formally instructed all credit bureaus to delete their tradeline. 

Despite this, TransUnion continues to report the original XXXX  account, which now meets the definition of double reporting under the FCRA ( 15 U.S. Code 1681i ). This practice : Misrepresents the current status of the debt Fails to reflect proper balance updates or account ownership May be construed as re-aging the account through misleading open date or status updates Is not being reported with a {$0.00} balance and closed status, which is required once an account is sold This incomplete and misleading reporting negatively impacts my credit profile and violates FCRA 1681s-2, which mandates the furnishing of accurate and complete information. As such, I am demanding the immediate permanent deletion of the XXXX  tradeline from my TransUnion file. 

Please provide written confirmation that this account has been removed, or provide the method of verification ( MOV ) used to validate its continued reporting within 30 days, as required by 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 2025-04-12 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: VA

Complaint narrative:
My Equifax credit report still includes a closed installment account from XXXX XXXX that was opened in XXXX and closed in XXXX. This account is now more than XXXX XXXX XXXX and beyond the limits of what should be reported. 

Under the Fair Credit Reporting Act ( FCRA ) 605 ( a ), negative information can not be reported after 7 years, and even positive closed accounts typically fall off after 10 years. This XXXX XXXX account is obsolete and should no longer appear on my credit report. 

I respectfully request that Equifax remove this outdated account. Ive included a copy of the account details in the attached supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
This letter serves as my formal notification and first request to inform you that I am a victim of identity theft. I am sending to dispute and challenge specific entries on my credit report that I believe are the result of fraudulent activity. These records do not reflect any transactions, authorizations, or acquisitions of goods, services, or funds made or approved by me. 

XXXX XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX  Opened : XX/XX/XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX  Opened : XX/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 2025-04-12 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: MI

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-04-12 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:
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 2025-04-12 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: TX

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 2025-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
My primary concern stems from materially false information provided to me by agents of PPH Mortgage by verbal communications on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On these dates, Representative of PHH Mortgage instructed me to " to wait for further instructions and not take any action regarding the modification agreement ''. These instructions directly contradicted the requirements outlined in the modification agreement and ultimately resulted in me missing the signing deadline. 
I have audio recordings from XX/XX/XXXX and XXXX conversations ( file to large to upload )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I received my card thursday and friday I tried to purchase something and online and it was declined and i was asked by the store to contact bank provider. I contacted them and i was sent to next tier support. They tried to verify my identity but the question dont make sense. The only question that made sense was a question about which address is associated with me. After couple tries they blocked my access to the card. They asked me to send a copy of my id via fax and i sent it right away. They still havent unblocked my access to my card so i called today Saturday and i was told its not yet in the system and will get uploaded within 5-7 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: VA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-12 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX  XXXX XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX XXXX Payment Status : Current Last Payment : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$7000.00}

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 2025-04-12 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-12 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I previously submitted a dispute due to fraudulent activity of an account and, you guys removed it and then months later you guys have readded this account to my credit report multiple times removing and deleting, per the FCRA & the reinsertion law 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Anything deleted cant be reinserted I am asking you guys to remove this account CB/VICSCRT from my credit report I have attached a screen shot of this inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding a serious incident that I believe involves the misuse of my personal and financial information by an employee of TD BankXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>, at approximately XXXXXXXX XXXX I visited the TD Bank branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX I went there to request a letter addressed to XXXX in order to confirm the connection between a 1099 form issued by the bank and my Social Security Number ( SSN ) XXXX banker who assisted me asked for my debit card, my SSN, and also requested that I enter my account password on an electronic device in front of him. Trusting that this was part of the process, I complied. He told me that the letter would be ready by Monday, XX/XX/XXXX or Tuesday, XX/XX/XXXX, and that he would call me to let me know. I gave him my phone number, but he never contacted me.XXXX my shock, on Friday, XX/XX/XXXX, I received a text message alert from TD Bank informing me of suspicious activity. When I checked my account, I discovered three unauthorized transactions made to XXXX with the following charges XXXX XXXX XXXX XXXXXXXX $ XXXX $ XXXX immediately contacted TD Bank to report the fraud, and the debit card was blocked. However, I must emphasize that I have never used this debit card for any purchase, either in person or online. I live alone, and no one else has ever handled my debit card, except for the bank employee who assisted me that day. I only opened this checking account because it was required to open a Certificate of Deposit ( CD ), and I have never used it for anything else.\n\nThe fact that the fraudulent transactions occurred just a few days after my visitand that the person who had access to my card details, SSN, and online password was a bank employeeraises serious concerns about internal misconduct or identity theft.\n\nI kindly request that the Consumer Financial Protection Bureau investigate this incident thoroughly. I am deeply concerned that the individual who assisted me may be in possession of my full name, SSN, card number, security code, and password. I am worried that this information could be used for further unauthorized activity.\n\nI am willing to provide any additional documentation or identification necessary to support my claim. I trust that your office takes these matters seriously and will help ensure accountability and protection for consumers like myself.

Company response to consumer: Closed with explanation