vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: MO

Complaint narrative:
On XX/XX/year> I noticed on my credit file that my personal information is being reported inaccurately. Therefore, on XX/XX/year> I sent letters to each Credit Bureau requesting my personal information be updated and reported accurately. And I have yet, received a response!

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 2025-03-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Legal XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
Sent letter with verification documents enclosed certified mail on XX/XX/year>. Received return receipt on XX/XX/year>. Equifax updated my address but not my correct name then they locked my online account and required me to call them. Call them on XX/XX/year> for them to tell me my name does not match. Which i informed them that i had sent documents and they failed to update my name. XXXX agent was able to see my documents and my correct name but still didn't update it. Said he would have to transfer me to the higher department which he did. The higher department then told me their system was down and that she couldnt see anything and that i should call back after being on the phone with them for over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I am filing this complaint under FCRA 605B ( 15 USC 1681c-2 ) to request that Experian block fraudulent information appearing on my credit report. These accounts resulted from identity theft, the XXXX data breach, and fraud and must be removed within four ( 4 ) business days of receiving this request.

The fraudulent accounts and inquiries include : 1. Request for Account Blocking and Deletion Due to Data Breach XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX  XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer XXXX credit report. 
I expect Experian to comply with the Fair Credit Reporting Act ( FCRA ) and immediately block these fraudulent items from my report.

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 2025-03-31 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: NC

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of an outdated and inaccurately reported account from my credit report. The account in question, reported by XXXX, should no longer appear on my credit file under the Fair Credit Reporting Act ( FCRA ). Below are the details : Creditor Name : XXXX  Account Number : XXXX Account Type : Unsecured Loan Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid in Settlement Avant is currently reporting that my account was closed in XXXX when, in fact, it was settled and closed in XXXX, making it ineligible to be reported on my credit file. This discrepancy indicates that the account has remained on my report beyond the allowable reporting period. 

Additionally, as a courtesy to remediate a settlement issue caused by an isolated XXXX oversight in XX/XX/XXXX, XXXX acknowledged in prior Consumer Financial Protection Bureau ( CFPB ) complaints that they would update their records to reflect my account as settled in full as of XX/XX/XXXX. The relevant CFPB complaint IDs are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  received an indirect credit reporting dispute through e-OSCAR, where they determined that the credit bureaus erroneously listed my account as opened in XXXX instead of XXXX. After a thorough review, XXXX updated the account on XX/XX/XXXX, to reflect a settled status. However, despite this correction, the account is still being inaccurately reported, causing unnecessary harm to my credit profile. 

XXXX has confirmed that my account has not been re-aged, and per their records, it was settled in full in XX/XX/XXXX. Given that negative account information should not remain on a consumers credit report for more than XXXX years from the original delinquency date, this account should no longer be reported. 

I respectfully request that you remove this account from my credit file to reflect accurate and fair reporting. Please provide written confirmation once the correction has been made. If any additional information is needed, do not hesitate to contact me. 

Sincerely

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of an outdated and inaccurately reported account from my credit report. The account in question, reported by XXXX, should no longer appear on my credit file under the Fair Credit Reporting Act ( FCRA ). Below are the details : Creditor Name : XXXX  Account Number : XXXX Account Type : Unsecured Loan Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid in Settlement Avant is currently reporting that my account was closed in XXXX when, in fact, it was settled and closed in XXXX, making it ineligible to be reported on my credit file. This discrepancy indicates that the account has remained on my report beyond the allowable reporting period. 

Additionally, as a courtesy to remediate a settlement issue caused by an isolated XXXX oversight in XX/XX/XXXX, XXXX acknowledged in prior Consumer Financial Protection Bureau ( CFPB ) complaints that they would update their records to reflect my account as settled in full as of XX/XX/XXXX. The relevant CFPB complaint IDs are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  received an indirect credit reporting dispute through e-OSCAR, where they determined that the credit bureaus erroneously listed my account as opened in XXXX instead of XXXX. After a thorough review, XXXX updated the account on XX/XX/XXXX, to reflect a settled status. However, despite this correction, the account is still being inaccurately reported, causing unnecessary harm to my credit profile. 

XXXX has confirmed that my account has not been re-aged, and per their records, it was settled in full in XX/XX/XXXX. Given that negative account information should not remain on a consumers credit report for more than XXXX years from the original delinquency date, this account should no longer be reported. 

I respectfully request that you remove this account from my credit file to reflect accurate and fair reporting. Please provide written confirmation once the correction has been made. If any additional information is needed, do not hesitate to contact me. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: WA

Complaint narrative:
Took out a loan thinking I could repay it quickly because of expenses only to realize the interest was way too much since Im new to these type of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I

n accordance with the fair credit reporting act has violated my rights. 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-03-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I

n accordance with the fair credit reporting act has violated my rights. 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Years ago I went to XXXX XXXX and cancelled my membership. Now that I want to renew it I was told that I owed XXXX. With I dont also I never received that bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DC

Complaint narrative:
Chime is holding my deposit for over XXXX month and not allowing me an access to my deposit money. I contacted Chime customer service but they refused to help. The customer service said they dont know the answer and can not fix the problem. I request an access to my deposit money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I am filing this complaint under FCRA 605B ( 15 USC 1681c-2 ) to request that Equifax block fraudulent information appearing on my credit report. These accounts resulted from identity theft, the Equifax data breach, and fraud and must be removed within four ( 4 ) business days of receiving this request.

The fraudulent accounts and inquiries include : 1. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Request for Account Blocking and Deletion Due to Data Breach XXXXXXXX XXXX  Account Number : XXXXXXXX Please remove it from my credit report. 
3. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer XXXX credit report. 
I expect Equifax to comply with the Fair Credit Reporting Act ( FCRA ) and immediately block these fraudulent items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-03-31 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: KY

Complaint narrative:
several credit Inquires reporting on my credit report that I did not 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 2025-03-31 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
- These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
My account on CashApp is compromised. 
On XX/XX/year> there was a withdrawal made from my account in the amount of {$990.00} that I did not authorize. The person responsible then withdrew that to a XXXX debit card ending in XXXX, this card isnt even in my name. As I stated I did not authorize this charge, l have no knowledge about this transaction and I even disputed this with CashApp and they denied my claim. Money was stolen from me. I looked at previous transactions and whoever took the {$1000.00} tried to do a {$10000.00} transaction from my account but I didn't have that in my bank so whoever this person or entity was tried a lower amount and it went through. I have already filed a dispute with both CashApp and CFPB in which I received no remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Starting in XX/XX/year> I had my identity stolen, including my social security number by a XXXX XXXX. He used my identity to obtain a few credit cards that were used and never paid, as well as placing his utilities under my name with XXXX XXXX. I am reporting to the Federal Trade Commission and the Consumer Financial Protection Bureau these crimes under my protective rights from the Fair and Accurate Credit Transaction Act. These accounts procured illegally must be deleted immediately as they have affected my great credit standing. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The Servicer Mr. Cooper loans for XXXX XXXX just admitted fir XXXX time in a letter received XXXX That they have admitted serving the wrong loan for me for XXXX years. i have been asking them to fix this error since XXXX when they took over this loan ( i am an old countrywide " victim ) " XXXX had refused to fix this error. Until there recent admission of error Mr Cooper refused to admit this all this time until just now and they set foreclosure for XX/XX/XXXX on the loan already satisfied on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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