vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) and Source Receivables Management are attempting to collect a debt of {$910.00} that I do not owe. I vacated the apartment in XX/XX/year>, received written confirmation that no further payments were due, and paid all rent obligations. Despite proof, I have been harassed with collection attempts and negative credit reporting. I am attaching evidence of no debt owed. Please investigate and assist with stopping these actions and correcting any credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MA

Complaint narrative:
Dear CFPB/Credit Bureau Legal Department ; I am filing a formal complaint regarding several accounts that continue to report inaccurate, unverifiable, and misleading information on my credit report despite multiple disputes. These accounts contain numerous factual errors, including inconsistent balances, incorrect payment histories, wrong dates of last activity, and improper statuses all of which materially mislead lenders about my creditworthiness.

Despite repeated disputes and requests for validation, the credit reporting agency merely responds with pre-scripted language such as verified as accurate, without conducting a lawful reinvestigation as required by FCRA 1681i ( a ). No documentary evidence, billing records, original signed contracts, or proper chain of custody validation have been provided by the furnishers, violating FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681s-2 ( b ) ( duty to investigate ). 

Prior case law supports my position : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires a reasonable, independent reinvestigation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reporting technically accurate but materially misleading information still violates the FCRA. 

XXXX v. Equifax XXXX XXXX, XXXX, XXXX XXXX XXXX failure to correct inaccurate data after notice violates consumer rights. 

This repetitive failure to conduct a reasonable reinvestigation and the continued reporting of known inaccuracies is willful noncompliance under FCRA 1681n and negligent violation under 1681o, exposing the bureaus and furnishers to potential liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: MA

Complaint narrative:
Dear CFPB/Credit Bureau Legal Department ; I am filing a formal complaint regarding several accounts that continue to report inaccurate, unverifiable, and misleading information on my credit report despite multiple disputes. These accounts contain numerous factual errors, including inconsistent balances, incorrect payment histories, wrong dates of last activity, and improper statuses all of which materially mislead lenders about my creditworthiness.

Despite repeated disputes and requests for validation, the credit reporting agency merely responds with pre-scripted language such as verified as accurate, without conducting a lawful reinvestigation as required by FCRA 1681i ( a ). No documentary evidence, billing records, original signed contracts, or proper chain of custody validation have been provided by the furnishers, violating FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681s-2 ( b ) ( duty to investigate ). 

Prior case law supports my position : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires a reasonable, independent reinvestigation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reporting technically accurate but materially misleading information still violates the FCRA. 

XXXX v. Equifax XXXX XXXX, XXXX, XXXX XXXX XXXX failure to correct inaccurate data after notice violates consumer rights. 

This repetitive failure to conduct a reasonable reinvestigation and the continued reporting of known inaccuracies is willful noncompliance under FCRA 1681n and negligent violation under 1681o, exposing the bureaus and furnishers to potential liability.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive been reaching out to Equifax for over a month trying to access their website. My credit score has an updated since XXXX and Im trying to figure out whats going on with it. I have called customer service and they escalated to their technical team for a call back, but I have yet to hear when I log into the Equifax it says please give us a call and give this code to the Agent XXXX  and again I called customer service and no one understands what the code means so Im asking your company CFPB TO HELP ME ESCALATE THIS MATTER TO EQUIFAX TO GET MY INFORMATION UPDATED I SHOULD NOT SEE A CREDIT SCORE FROM XXXX. STILL REPORTING EVERYTHING NEEDS TO BE UPDATED EVERY MONTH BUT ITS FAILING TO DO SO. I even sent in verification forms like Social Security and a statement bill to verify my identity because thats what I did last time but its still showing that code. im always having problems with this bureau and I do not like it. This bureau always gives me a hard time and they need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
Subject : Failure to Correct Inaccurate Reporting and Verification TransUnion Dispute Follow-Up Since filing my original complaint, I have obtained additional evidence showing that TransUnion has failed to properly verify or correct inaccurate information on my credit report regarding the XXXX XXXX account XXXX 

Specifically : As of XX/XX/year>, my TransUnion file listed an incorrect address ( XXXX XXXX XXXX, XXXXXXXX XXXX  ) tied to the XXXX XXXX account. 
As of XX/XX/year>, this address ( XXXX XXXX ) has been deleted from my TransUnion file. 
Without a linked address, there is no verifiable connection between me and XXXX XXXX. 
Multiple inaccurate names ( XXXX XXXX, XXXX, XXXX XXXX, and XXXX, XXXX XXXX previously tied to my file were deleted, confirming identity inaccuracies. 
My verified address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX not XXXX. 
XXXX XXXX has no operating location in XXXXXXXX XXXX 
No public records ( XXXX, judgments, or liens ) exist under my name to verify any debt obligation. 

Additionally, it is clear that TransUnion relies on automated processing systems ( e-OSCAR ) instead of conducting a full reinvestigation, in violation of the Fair Credit Reporting Act ( FCRA ). 

This is a direct violation of : FCRA 607 ( b ) Duty to maintain maximum possible accuracy, FCRA 611 ( a ) ( 1 ) ( A ) Duty to conduct a reasonable reinvestigation, FCRA 611 ( a ) ( 5 ) ( A ) Duty to delete unverifiable 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 2025-04-26 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: DISCOVER BANK
State: TX

Complaint narrative:
Fraudulent Account Details and Discovers Inaction Fraudulent Account Opened : XX/XX/XXXX Fraudulent Amount Charged : {$1200.00} Fraud Discovered : XX/XX/XXXX Actions Taken : o Submitted fraud complaints to Discover and all three credit bureaus. 
o Completed a police report with the XXXX Police Department ( XXXX # XXXX ). 
Discovers Responses : o XX/XX/XXXX XXXX : " Account and balance found valid. '' o XX/XX/XXXX XXXX : " Account and balance found valid. '' o XX/XX/XXXX Response : " Account and balance found valid. '' Status : o Account charged off by credit bureau as of XX/XX/XXXX. 

Summary of Discovers Failures : Despite overwhelming proof the account was fraudulently opened in Georgia a state where I have never lived, worked, or conducted any business Discover has repeatedly refused to recognize the fraud. I provided extensive documentation, including continuous Texas-based transaction records from XXXX to the present, clearly showing I could not have opened or used the account. 
Discovers fraud " team '' is effectively non-existent. Customer service agents admit they can not directly contact fraud investigators, nor even identify who they are. They simply " send messages '' into a black hole with no way for the consumer to escalate or resolve the situation. Multiple calls and document submissions have resulted in no meaningful action by Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: NJ

Complaint narrative:
There is an inquiry on my Equifax, Transunion, and Experian credit reports from a company called XXXX XXXX  that I did not submit nor authorize.

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 2025-04-26 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: NJ

Complaint narrative:
There is an inquiry on my Equifax, Transunion, and Experian credit reports from a company called XXXX XXXX  that I did not submit nor authorize.

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 2025-04-26 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: GA

Complaint narrative:
I am filing this complaint because Equifax violated my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I submitted a written dispute to Equifax on XX/XX/year> regarding inaccurate information on my credit report XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable investigation and respond within 30 days of receiving a consumers dispute.

Equifax failed to meet this obligation. They did not complete their investigation or provide me with the results of their investigation
within the 30-day period as mandated by law. The FCRA is very clear that if information in a consumers credit report is disputed, the credit reporting agency must investigate and report the results back to the consumer within 30 days.

By exceeding the 30-day timeframe, Equifax violated my rights under the FCRA. Their delay caused me undue stress and potential harm to my financial standing. I respectfully request that the CFPB investigate Equifaxs failure to comply with FCRA guidelines, hold them accountable for this violation, and require them to take corrective action to ensure timely responses to consumer disputes in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I got notifications of the following companies hit my credit report ran my credit without my consent verbal or physical on today XX/XX/XXXX XXXX Loan hit my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX also on XX/XX/XXXX also on XX/XX/XXXX which is instance because if they turned me down once why would I try again XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I didnt apply for any loans or gave any one permission to run my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
I got notifications of the following companies hit my credit report ran my credit without my consent verbal or physical on today XX/XX/XXXX XXXX XXXX hit my report Twice XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX again XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX also on XX/XX/XXXX also on XX/XX/XXXX which is instance because if they turned me down once why would I try again XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I didnt apply for any loans or gave any one permission to run my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I have disputed Santander multiple times. The car was totaled almost XXXX years ago and paid off with XXXX  insurance. It is reporting an incorrect address and as if I owe them money on my credit and they will not remove it and it continues to change the dates as if it is current. This was a car from XXXX  almost XXXX  years ago. I can not remove the incorrect P.O. Box address or the Santander reporting negative on my report. Please remove this incorrect information off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: DE

Complaint narrative:
Any negative item that a company reports to y credit report without my written consent is considered 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 explanation
Consumer complaint received 2025-04-26 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: MD

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: MD

Complaint narrative:
On XXXX I received a message saying that cash app closed my account because I allegedly violated their terms however they did not acknowledge what terms they are referring to. I tried to call and email on XXXX. XXXX, XXXX and XXXX I am not getting a clear response. To make matters worse I went on a carnival trip XX/XX/XXXX and my bill was settled on XX/XX/XXXX. Cash app are currently holding funds related to a XXXX trip. According to XXXX, my account was settled at {$220.00}, yet Cash App is holding {$260.00} with no explanation. I have attached the XXXX statement showing the finalized balance to the tensile. I sent them trying to get an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: MO

Complaint narrative:
I been using cash app for a couple years now sometimes I have a problem when they allow purchase that I didnt approve take money off my card when my card is locked SHOULDNT no website or anything be able to take nun with my card locked or just random apps that I didnt approve of taking money off my card tried doing the support thing to do a dispute multiple occasions it doesnt work sometimes I would get a refund from XXXX XXXX XXXX XXXX XXXX and it wouldnt be back on my card when it was suspose to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
What happened? 

I am submitting this complaint regarding PHH Mortgage Services for inaccurately reporting a 30-day late payment on my mortgage account ( opened XX/XX/year> ). This information is completely incorrect. I have never missed or made a late payment on this account. 

I reviewed my payment history and financial records carefully and confirmed that I have consistently made on-time payments. I formally disputed this inaccurate reporting and requested documentation to validate the alleged late payment. However, PHH Mortgage Services failed to provide any evidence or statements proving a delinquency. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), furnishers of information have a legal obligation to report only accurate information. Their continued reporting of a 30-day late payment without validation violates federal law and is causing serious harm to my credit profile and financial opportunities.

Furthermore, PHHs failure to properly investigate and correct this error after my dispute constitutes a violation of FCRA 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
I noticed several hard inquiries on my credit report that i did not authorize. I did not give access to my personal information for these hard inquiries to be done. My personal information was exposed including my identification card and bank accounts.

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 2025-04-26 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 pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2025-04-26 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: MT

Complaint narrative:
In XX/XX/XXXX, I resumed payments on my XXXX  student loans through the XXXX Department of Education. I made XXXX payments : {$50.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, and {$100.00} on XX/XX/XXXX. Despite actively paying, TransUnion reported that my loans were closed and in collections as of XX/XX/XXXX. They then duplicated the loan accounts on my credit report, showing XXXX negative entries instead of XXXX. I disputed these errors with TransUnion, but they responded on XX/XX/XXXX claiming the information was accurate. They did not properly update the balances to reflect my payments, did not correct the duplication, and did not fix the account closure timing which happened after payments were made. This inaccurate reporting severely damaged my XXXX XXXX and credit profile.

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 2025-04-26 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: GA

Complaint narrative:
I am reporting identity theft and fraudulent activity on my credit report. I submitted disputes directly to the credit bureaus providing an FTC Identity Theft Report and supporting documentation. Despite this, the fraudulent accounts and inquiries remain. The accounts do not belong to me, and they were opened and/or used without my authorization. I am requesting the immediate deletion of the fraudulent accounts, fraudulent addresses, and unauthorized inquiries in compliance with the Fair Credit Reporting Act ( FCRA ) 605B. I request expedited handling due to prior inaction and the impact on my ability to obtain housing and transportation.

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