vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: 21ST MORTGAGE CORP.
State: AZ

Complaint narrative:
I am trying to get this mortgage away from 21st mortgage. I recently purchased a manufactured home that I mean to affix to the property get benefits in property value. 21st has already refused to affix it. Now they refuse to work with a new lender. To affix the home, the two titles must be surrendered to XXXX. 21st will not surrender the titles until they are paid in full. And then take up to 2weeks to actually surrender the titles. Making it impossible for a new lender to close escrow. I have spent thousands of dollars getting this home physically affixed as per the law. All I want at this point is to get this mortgage away from 21st and into the hands of a lender that will work with it clientele.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXXXXXX Balance Owed : {$140.00}XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX XX/XX/XXXX) XXXX Balance Owed : {$9300.00} XXXXXX/XX/XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXXXXXX Balance Owed : {$140.00}XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX XX/XX/XXXX) XXXX Balance Owed : {$9300.00} XXXXXX/XX/XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MO

Complaint narrative:
This letter serves as a formal dispute and demand for the method of verification for multiple inaccurate and unverifiable negative accounts listed on my TransUnion credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 7 ). You are required to reinvestigate the disputed items and provide a detailed description of the procedures used to determine the accuracy and completeness of the information, including the name, address, and documentation from the furnisher of each account. 
DISPUTED ACCOUNTS & DEMAND FOR METHOD OF VERIFICATION 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 DEMAND FOR DOCUMENTED VERIFICATION Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), I demand that TransUnion : 1. Reinvestigate each account and delete any entry that can not be fully verified. 
2. Provide the method of verification for each disputed tradeline, including : - Name and contact of the furnisher - The exact documents used to verify accuracy - The procedure used in the reinvestigation - A copy of all records relied upon in the verification Verification must meet the legal requirements as outlined in the FCRA and FDCPA, and must include : - The name of the original creditor ( 15 U.S.C. 1692g ( a ) ( 2 ) ) - The amount of the alleged debt ( 15 U.S.C. 1692g ( a ) ( 1 ) ) - Documentation proving that I am legally obligated to pay ( signed contract or billing records ) - The exact dates of delinquency and charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ) - Clear evidence that the account is still reportable within the FCRA 's 7-year limitation Failure to provide this method of verification within 30 days constitutes noncompliance with FCRA duties and obligates TransUnion to delete the inaccurate or unverifiable items from my report. 

LEGAL NOTICE If you fail to comply with this request or continue reporting unverifiable, inaccurate, or incomplete information, I will pursue legal action under : - 15 U.S.C. 1681n Willful noncompliance ( actual, statutory, punitive damages ) - 15 U.S.C. 1681o Negligent noncompliance - 15 U.S.C. 1692g ( a ) ( 1 ) - ( 5 ) Failure to validate the debt under FDCPA I expect a full and documented response within the statutory 30-day period. If no response or inadequate documentation is provided, I reserve the right to file complaints with the CFPB, FTC, and initiate civil litigation.

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 2025-04-14 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: KS

Complaint narrative:
I recently submitted a dispute because Im very concerned about an account on my credit report that I believe is still being reported inaccurately and incompletely. It doesnt seem like a fair or proper investigation was done. This situation has caused me a lot of stress, and Im feeling overwhelmed and disheartened.

Please, I truly need your supportIm at a loss for what to do next, and its seriously impacting my life. I also want to be clear that I am the one submitting this dispute personallyit is not being filed by any third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: 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 non-monetary relief
Consumer complaint received 2025-04-14 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:
on XX/XX/year> at around XXXXXXXX XXXX i was attacked and my device ( smartphone ) was stolen and scammers were able to access the app " cashapp ''. my account was fraudulently used and they were able to make multiple cash transfers from my linked bank account. the amount they fraudulently stole was in the amount of {$250.00}. " cashapp '' has failed to respond to my inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
I am submitting this complaint against Experian due to continued unlawful, unauthorized, and damaging actions on my credit file while it remains locked at my requestand despite the fact that I currently have a pending JAMS arbitration against Experian for prior similar misconduct. 

Specifically, on or around XX/XX/year>, I was notified of multiple dispute actions being initiated on my newly opened, positive tradeline accounts, including XXXX, XXXX XXXX XXXX, and XXXX XXXX. Upon reviewing my credit report from Experian, these tradelines are now flagged as " UNDER DISPUTE '' despite no disputes being initiated or authorized by me whatsoever. 

This action mirrors a prior unauthorized deletion of a positive tradeline ( XXXX XXXX XXXX XXXX which is the subject of my current arbitration case. That account was removed without cause or request, causing measurable harm to my credit profile. Now, a similar pattern of unilateral tampering and unprompted activity continuesclearly establishing bad faith, willful noncompliance with the Fair Credit Reporting Act ( FCRA ), and reckless disregard for consumer rights. 

Further compounding the issue : My file is locked, making any internal or third-party dispute activity especially suspect. 

I never consented to these disputes. 

Experian has not provided any notice, justification, or validation for these actions.

These acts constitute violations of : 15 U.S. Code 1681b Permissible purposes of consumer reports 15 U.S. Code 1681i Procedure in case of disputed accuracy 15 U.S. Code 1681c1 Security freezes 15 U.S. Code 1681n and 1681o Civil liability for willful or negligent noncompliance Experians actions show a clear pattern of willful misconduct, tortious interference with credit expectancy, and breach of fiduciary and equitable duty. These unauthorized disputes are damaging my ability to maintain
and expand legitimate positive credit and may result in long-term financial harm.

Requested Resolution : I demand that Experian immediately remove all under dispute notations placed on any account without my direct, verifiable authorization.

I request a full audit of all dispute-related actions taken on my file in the last 90 days, including documentation of source, time, and method of initiation. 

Experian must confirm in writing that no future changes will be made to my file without my explicit, documented consent while my file remains locked. 

I request the CFPB investigate this matter for systemic violations and take enforcement action as warranted. 

I reserve all rights to continue pursuing maximum financial damages via arbitration and court.

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 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
My PayPal account was permanently restricted after using my verified bank card for valid transfers.

PayPal refused to explain the reason and rejected my formal appeal. I request a full review and legal justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am disputing a charged-off account reported by Affirm, Inc. that appears on my XXXX credit report. This account was closed and marked as charged off, but I never received any prior notice of delinquency or any attempt to collect before the charge-off was reported. I discovered this negative item on my XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, with a reported charge-off amount of {$390.00}. I have also reviewed my XXXX XXXX XXXX credit reports, and this account does not appear on either of them, suggesting inconsistent reporting or possible errors. I believe this item may be inaccurate or unverifiable and therefore request that it be removed unless Affirm can fully validate its legitimacy under the Fair Credit Reporting Act. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXXXXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXXXXXX Balance {$3600.00} XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1200.00} XXXX  XXXX Balance {$1400.00} XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : IdentityTheft Blocking Request 15U.S.C.1681c2 ( Immediate block of the XXXX XXXX collection account ) I am a victim of identity theft. Pursuant to 15U.S.C.1681c2, I hereby demand that you block the fraudulent information identified below within four ( 4 ) business days of receiving this letter. 
Enclosed are my FTC IdentityTheft Report ( XXXX ) and a copy of the police report, both of which trigger your legal obligation to block the disputed data. 

Account to Be Blocked Field Experian Furnisher / Tradeline XXXX ( XXXX ) Partial Account # XXXX Balance {$18.00} High Balance {$68.00} Date Opened XX/XX/year> MostRecent DateReported XX/XX/year> Status Collection/Chargeoff ( Closed, Derogatory ) Creditor Remarks Affected by natural disaster XXXX and XXXX list similar but conflicting information ( different open/close status and remarks ), further underscoring the inaccuracy and fraudulent nature of this tradeline. 

Legal Basis for the Block 1. 15U.S.C.1681c2 ( a ) Upon receipt of a valid identitytheft report, a consumerreporting agency must block the disputed information within four business days. 
2. 15U.S.C.1681c2 ( c ) During the block, the agency may not rereport the information unless it later receives material information proving the accounts authenticity. 
3. 15U.S.C.1681s2 ( a ) ( 1 ) ( A ) Data furnishers are prohibited from reporting information they know, or should know, is inaccurate. No signed contract proving liability has been produced despite multiple requests exceeding XXXX. 
4. 15U.S.C.1681e ( b ) Experian must employ reasonable procedures to ensure maximum possible accuracy ; the conflicting bureau data and lack of documentation violate that standard. 

Requested Resolution 1. Block the XXXX XXXX tradeline and any associated hard inquiries within four ( 4 ) business days. 
2. Refrain from rereporting the tradeline for at least one ( 1 ) yearor permanentlyunless original, signed documentation validating the debt is obtained. 
XXXX. Provide written confirmation to the address above that the block has been applied and the information has been removed from my credit file. 

Notice of Intended Action Failure to comply will constitute willful and/or negligent noncompliance with the FCRA, entitling me to seek : * Statutory damages of up to {$1000.00} per violation ( 15U.S.C.1681n ) and actual damages ( 15U.S.C.1681o ) ; * Complaints filed with the FTC and my State Attorney General XXXX * Civil litigation for additional relief, including defamation and emotional distress. 

Thank you for your prompt attention to this matter. I expect your written confirmation within the timeframe prescribed by 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 2025-04-14 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: KS

Complaint narrative:
I recently submitted a dispute because Im very concerned about an account on my credit report that I believe is still being reported inaccurately and incompletely. It doesnt seem like a fair or proper investigation was done. This situation has caused me a lot of stress, and Im feeling overwhelmed and disheartened.

Please, I truly need your supportIm at a loss for what to do next, and its seriously impacting my life. I also want to be clear that I am the one submitting this dispute personallyit is not being filed by any third party.

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 2025-04-14 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: KS

Complaint narrative:
I recently submitted a dispute because Im very concerned about an account on my credit report that I believe is still being reported inaccurately and incompletely. It doesnt seem like a fair or proper investigation was done. This situation has caused me a lot of stress, and Im feeling overwhelmed and disheartened.

Please, I truly need your supportIm at a loss for what to do next, and its seriously impacting my life. I also want to be clear that I am the one submitting this dispute personallyit is not being filed by any third party.

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 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that database that had been compromised.

Company response to consumer: Closed with explanation