vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Rebuttal to XXXX XXXX XXXXXXXX CFPB Response ( Case No. XXXX ) Dear CFPB Officer, I am responding to XXXX XXXX  XXXX reply dated XX/XX/XXXX, regarding my formal complaint. While XXXX acknowledges that I was placed into a disaster-related repayment plan due to Hurricane Beryl, a declared federal disaster, they fail to acknowledge the spirit and intent of such relief. 

According to their letter, I was enrolled in an Informal Forbearance Plan beginning XX/XX/XXXX, following a Natural Disaster Forbearance that ended on XX/XX/XXXX. XXXX also acknowledges receipt of my payments per the structured plan, but states that because payments were not made under the original contract schedule, they reported the account as delinquent. 

This reporting occurred despite the natural disaster relief and despite XXXX 's failure to inform me that entering into a repayment plan would still result in derogatory credit reporting. I was never provided with a clear, written notice of this. 

Additionally, XXXX reliance on informal plan language appears to avoid full accountability under HUD and FCRA protections designed for borrowers impacted by natural disasters. If the forbearance and plan were legitimate enough to accept payments and apply a structured repayment schedule, then credit reporting should reflect that context, especially when no late fees were assessed or payments missed per the new schedule. 

I am asking the CFPB to review this response and require XXXX to provide evidence of : - Disclosure documents explicitly stating that late credit reporting would continue during the repayment plan. 
- FCRA-compliant procedures for how they report accounts under disaster-related repayment plans.

- An explanation for why no goodwill adjustment or correction was made, despite receiving consistent payments since XX/XX/XXXX. 

I also request that XXXX be required to correct the erroneous late reporting for XXXX and XX/XX/XXXX and update the credit bureaus accordingly. 

I am also including the following supporting documentation for your review : - My payment records from XX/XX/XXXX through XX/XX/XXXX show consistent payments made in accordance with the structured plan. 
- A copy of XXXX 's response to this dispute. 

Additionally, I would like to cite Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which states that a furnisher of information to consumer reporting agencies may not furnish any information relating to a consumer that the furnisher knows or has reasonable cause to believe is inaccurate. I believe XXXX continued reporting of these late payments, despite evidence of timely payments under a disaster-related plan, violates this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Rebuttal to XXXXXXXX XXXX XXXXXXXX CFPB Response ( Case No. XXXX ) Dear CFPB Officer, I am responding to XXXX XXXX XXXXXXXX reply dated XX/XX/XXXX, regarding my formal complaint. While XXXX acknowledges that I was placed into a disaster-related repayment plan due to Hurricane Beryl, a declared federal disaster, they fail to acknowledge the spirit and intent of such relief. 

According to their letter, I was enrolled in an Informal Forbearance Plan beginning XX/XX/XXXX, following a Natural Disaster Forbearance that ended on XX/XX/XXXX. XXXX also acknowledges receipt of my payments per the structured plan, but states that because payments were not made under the original contract schedule, they reported the account as delinquent. 

This reporting occurred despite the natural disaster relief and despite XXXXXXXX XXXX failure to inform me that entering into a repayment plan would still result in derogatory credit reporting. I was never provided with a clear, written notice of this. 

Additionally, XXXX reliance on informal plan language appears to avoid full accountability under HUD and FCRA protections designed for borrowers impacted by natural disasters. If the forbearance and plan were legitimate enough to accept payments and apply a structured repayment schedule, then credit reporting should reflect that context, especially when no late fees were assessed or payments missed per the new schedule. 

I am asking the CFPB to review this response and require XXXX to provide evidence of : - Disclosure documents explicitly stating that late credit reporting would continue during the repayment plan. 
- FCRA-compliant procedures for how they report accounts under disaster-related repayment plans. 
- An explanation for why no goodwill adjustment or correction was made, despite receiving consistent payments since XX/XX/XXXX. 

I also request that XXXX be required to correct the erroneous late reporting for XXXX and XX/XX/XXXX and update the credit bureaus accordingly. 

I am also including the following supporting documentation for your review : - My payment records from XX/XX/XXXX through XX/XX/XXXX show consistent payments made in accordance with the structured plan. 
- A copy of XXXX 's response to this dispute. 

Additionally, I would like to cite Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which states that a furnisher of information to consumer reporting agencies may not furnish any information relating to a consumer that the furnisher knows or has reasonable cause to believe is inaccurate. I believe XXXX continued reporting of these late payments, despite evidence of timely payments under a disaster-related plan, violates this section.

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 2025-04-07 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: TX

Complaint narrative:
Subject : Rebuttal to XXXXXXXX XXXX XXXXXXXX CFPB Response ( Case No. XXXX ) Dear CFPB Officer, I am responding to XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, regarding my formal complaint. While XXXX acknowledges that I was placed into a disaster-related repayment plan due to Hurricane Beryl, a declared federal disaster, they fail to acknowledge the spirit and intent of such relief. 

According to their letter, I was enrolled in an Informal Forbearance Plan beginning XX/XX/XXXX, following a Natural Disaster Forbearance that ended on XX/XX/XXXX. XXXX also acknowledges receipt of my payments per the structured plan, but states that because payments were not made under the original contract schedule, they reported the account as delinquent. 

This reporting occurred despite the natural disaster relief and despite XXXX 's failure to inform me that entering into a repayment plan would still result in derogatory credit reporting. I was never provided with a clear, written notice of this. 

Additionally, XXXX reliance on informal plan language appears to avoid full accountability under HUD and FCRA protections designed for borrowers impacted by natural disasters. If the forbearance and plan were legitimate enough to accept payments and apply a structured repayment schedule, then credit reporting should reflect that context, especially when no late fees were assessed or payments missed per the new schedule. 

I am asking the CFPB to review this response and require XXXX to provide evidence of : - Disclosure documents explicitly stating that late credit reporting would continue during the repayment plan. 
- FCRA-compliant procedures for how they report accounts under disaster-related repayment plans. 
- An explanation for why no goodwill adjustment or correction was made, despite receiving consistent payments since XX/XX/XXXX. 

I also request that XXXX be required to correct the erroneous late reporting for XXXX and XX/XX/XXXX and update the credit bureaus accordingly. 

I am also including the following supporting documentation for your review : - My payment records from XX/XX/XXXX through XX/XX/XXXX show consistent payments made in accordance with the structured plan. 
- A copy of XXXX 's response to this dispute. 

Additionally, I would like to cite Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which states that a furnisher of information to consumer reporting agencies may not furnish any information relating to a consumer that the furnisher knows or has reasonable cause to believe is inaccurate. I believe XXXX continued reporting of these late payments, despite evidence of timely payments under a disaster-related plan, violates this section.

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 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I filed a complaint to this department months ago about Cash App not refunding me money I was defrauded for. They lied to the agency and claimed the over XXXX that was stolen was only XXXX and that they returned that much to me. Not only did they misrepresent the facts of the situation but they outright lied about the amount and the have still given me not a dollar of my money back. In fact they kept all the money that they identified as fraudulent charges. All the transactions are crossed out and labeled as refunded but they refuse to release the funds to me because I didn't identitfy myself by sending a copy of my ID to an unsecured email address that they never in app or customer service never informed me even existed. I should not have to as they have all my identifying documents and biometrics on record. They have uses the situation to deny me the use of the account and shadow banned me. Refusing to send me a new card as punishment for reporting what is now THEIR fraud. I have sent several pages of my screen caps that document their deception in reporting the amount to the CPFB, they are just a few of the SEVERAL DOZEN pages of fraudulent transactions that they recognized yet denied regardless. Consider this, since they were able to identify the full scope of the fraud, why is it that they only stated it to be a small portion of what it actually was? 

Also please note the notice on each of these " refunded '' transactions with a check mark to give the appearance of my claim being successful, however they actually say below the refunded status that they are DENYING MY CLAIM because i wouldnt identity myself. So where does this money go if it's refunded but not to me? Why should giving me the funds hinge upon me sending a copy of my physical ID to some email like XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I have a late payment that is on my account that I demand be removed. The mortgage has been paid off and it still shows a one-time late payment. This is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided byXX/XX/XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. XXXX XXXX XXXX , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XX/XX/XXXXXXXX

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 2025-04-07 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: IL

Complaint narrative:
I am requesting a reinvestigation of these accounts and the removal of any incorrect details. XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXXXXXX Balance {$2900.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$220.00} XXXX XXXX XXXX Balance {$190.00} XXXX  XXXX XXXX Balance {$520.00} XXXX  XXXX XXXX Balance {$100.00} XXXX  XXXX XXXX Balance {$340.00} I believe these accounts are being reported incorrectly and would appreciate it if you could inform the relevant data furnishers about this 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 2025-04-07 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: IL

Complaint narrative:
I am requesting a reinvestigation of these accounts and the removal of any incorrect details. XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXXXXXX Balance {$2900.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$220.00} XXXX XXXX XXXX Balance {$190.00} XXXX  XXXX XXXX Balance {$520.00} XXXX  XXXX XXXX Balance {$100.00} XXXX  XXXX XXXX Balance {$340.00} I believe these accounts are being reported incorrectly and would appreciate it if you could inform the relevant data furnishers about this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: MI

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-04-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am disputing a {$2000.00} collection placed by I.Q. Data XXXX on behalf of my former apartment. I provided proper 60-day notice to vacate on XX/XX/year>, which the property manager confirmed in writing via email. Their final account statement also reflects notice was given on XXXX within the lease terms. Despite this, I was charged a reletting fee and labeled as having failed to give proper notice. I disputed this through XXXX and attached documentation, but the debt collector claimed it was being reported correctly, without addressing the evidence. I am requesting this inaccurate collection be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: MI

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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