vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: AR

Complaint narrative:
Remove the milultile credit checks on XXXX XXXX XX/XX/XXXX : to XX/XX/XXXX, Experian lease remove XX/XX/XXXX to XX/XX/XXXX from multiple credit checks. I want XXXX to prove that they gave me a loan I never received. XXXX I never had a credit check with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Fresh Holdings Inc
State: AR

Complaint narrative:
Remove the milultile credit checks on XXXX XXXX XX/XX/XXXX : to XX/XX/XXXX, XXXX lease remove XX/XX/XXXX to XX/XX/XXXX from multiple credit checks. I want CreditFresh to prove that they gave me a loan I never received. XXXX/XXXX  I never had a credit check with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MI

Complaint narrative:
i was out of state in florida, and was trying to get back home to michigan, my stepfather tried to send me {$1200.00} on cash app and it never went thru, thats when i found out my cash app was closed for no reason. i emailed cashapp multiple times asking why they closed my acount, and they never gave me a real reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MN

Complaint narrative:
Please see supporting documents pertaining to XXXX data breach identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX { Last XXXX SSN : XXXX } XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # : XXXX Dear XXXX Dispute Resolution Team XXXX I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as XXXX XXXX of the XXXX XXXX breach. I have included a copy of my Identity Theft Report ( # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 non-monetary relief
Consumer complaint received 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When reviewing my credit report this morning, I was dismayed to see an unauthorized inquiry that I never approved. I dont understand why this happened, and I even tried refreshing my browser, hoping it would disappear, but it didnt. This is completely unacceptable, and I insist that my documents be carefully examined immediately so I can stop stressing over this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I have an old, almost, {$11000.00} hospital bill that keeps accumulating interest. This was a debt before I joined the XXXX. This hospital bill came from when I was young with no job or insurance and I was XXXX at the time and I had just graduated high school. I needed XXXX  XXXX because I needed a blood transfusion because blood was coming out of me from my XXXX ( I was not on my period and was not pregnant or having a XXXX ) as if it was a water faucet. The hospital has sent my account to collections to Glasser And Glasser P.L.C. and are now trying to garnish me. They sent me a summons in the mail but I was overseas in XXXX at the time but I told the legal department on base in XXXX about it and they sent a STAY OF PROCEEDINGS but Im not sure if Glasser and Glasser ever received it. I called Glasser XX/XX/year> to ask them were they still going to garnish me and they told me we werent successful with the first garnishment because you were not employed at that job anymore but I cant tell you if were are going to still peruse garnishing because that would be considered LEGAL ADVISE which something I am not allowed to give you. They also confirmed they never received a Stay Of Proceedings. I have been paying them by money orders of {$25.00} every month which they said they know about and that it is a payment of XXXX XXXX meaning they know they can rely on me to make payments but they also said its not an agreement or arrangement they made to me to prevent garnishment. The {$25.00} payments is just something I was paying to keep them from garnishing me and let them know I havent forgot about them and that Im willing to pay them but not all of my money, only what I can afford. But I am seeking debt forgiveness and whatever financial assistance that can be given in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, 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 non-monetary relief
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Midwest Loan Services, Inc.
State: VA

Complaint narrative:
I was behind on my mortgage payments and trying to get a loan modification or forbearance. I had fraud on my checking account and didn't want to leave a huge amount of money in my account and asked the mortgage company if I could make full monthly payments but I was not allowed to even though they sent me a letter dated XX/XX/XXXX, stating if I was behind I could continue to make my monthly payments. Also, the paperwork that was faxed to them, they kept telling me that they didn't receive this or that when I sent it multiple times. I was denied a loan modification or forbearance because I could not get the information to them in time. I filed an appeal and sent the information by email that they needed, and my appeal was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint and Request for Immediate Enforcement Action Violations of Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting a formal complaint regarding XXXX Card and the major credit reporting bureausExperian, TransUnion, and Equifaxfor violations under the Fair Credit Reporting Act ( FCRA ), specifically : Violation of 15 U.S.C. 1681s-2 ( a ) XXXX XXXX has failed to furnish accurate and timely information to Experian, TransUnion, and Equifax. Despite my payment of {$1000.00} on XX/XX/XXXX, reducing my previous balance from {$1400.00} to {$480.00}, this correction has not been updated in my credit reports. 

Violation of 12 CFR Part 1022 ( Regulation V ) XXXX XXXX and the credit bureaus have failed to maintain procedures ensuring accuracy of reported information, adversely impacting my creditworthiness and ability to secure mortgage financing. 

Violation of 15 U.S.C. 1681i Experian, TransUnion, and Equifax have failed to promptly investigate and correct inaccuracies after receiving notice of dispute. My repeated efforts to resolve this directly with XXXX have been ignored, constituting willful noncompliance. 

Violation of 15 U.S.C. 1681n and 1681o XXXX ongoing refusal to correct the information and the credit bureaus ' negligence in updating my account balance constitute willful and negligent noncompliance, actionable under federal law. 

The incorrect reporting of my XXXX account is causing significant harm, including impeding my ability to obtain mortgage approval for a home purchase. 

I request that the CFPB immediately enforce compliance and mandate that XXXX XXXX, Experian, TransUnion, and Equifax accurately update my credit reports to reflect the correct balance of {$480.00} without further delay. 

Your prompt intervention is essential and appreciated. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NV

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint and Request for Immediate Enforcement Action Violations of Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting a formal complaint regarding XXXX Card and the major credit reporting bureausExperian, TransUnion, and Equifaxfor violations under the Fair Credit Reporting Act ( FCRA ), specifically : Violation of 15 U.S.C. 1681s-2 ( a ) XXXX XXXX has failed to furnish accurate and timely information to Experian, TransUnion, and Equifax. Despite my payment of {$1000.00} on XX/XX/XXXX, reducing my previous balance from {$1400.00} to {$480.00}, this correction has not been updated in my credit reports. 

Violation of 12 CFR Part 1022 ( Regulation V ) XXXX XXXX and the credit bureaus have failed to maintain procedures ensuring accuracy of reported information, adversely impacting my creditworthiness and ability to secure mortgage financing. 

Violation of 15 U.S.C. 1681i Experian, TransUnion, and Equifax have failed to promptly investigate and correct inaccuracies after receiving notice of dispute. My repeated efforts to resolve this directly with XXXX have been ignored, constituting willful noncompliance. 

Violation of 15 U.S.C. 1681n and 1681o XXXX ongoing refusal to correct the information and the credit bureaus ' negligence in updating my account balance constitute willful and negligent noncompliance, actionable under federal law. 

The incorrect reporting of my XXXX account is causing significant harm, including impeding my ability to obtain mortgage approval for a home purchase. 

I request that the CFPB immediately enforce compliance and mandate that XXXX XXXX, Experian, TransUnion, and Equifax accurately update my credit reports to reflect the correct balance of {$480.00} without further delay. 

Your prompt intervention is essential and appreciated. 

Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$230.00} XXXX  XXXX XXXX Balance : {$40.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$4200.00} XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX  XX/XX/2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation