vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: TX

Complaint narrative:
I am a victim of ID XXXX. The information listed below, which appears inaccurately on my credit report by TransUnion, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX -- Closed XXXX  Other/Unknown Accounts XXXX-related accounts. 

XXXX XXXX XXXX XXXX reported with XXXX and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or practices therefore the chicanery must be eradicated as is my in accordance with the law ( s ) and or requisite standard ( s ) requested resolution, please do so HERE AND NOW! This claim has assumed ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

After thoroughly analyzing TransUnion has breached the Consumer Credit Protection Act sec : 1681 ( i ) as well. 

Sincerely, 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 explanation
Consumer complaint received 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: PA

Complaint narrative:
Kindly remove and block the unauthorized accounts on my credit report at your earliest convenience. I did not authorize these accounts and have no knowledge of their origins. As per USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review.

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 2025-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I submitted a Complaint ID # XXXX submitted on XX/XX/XXXX against Rocket Mortgage. The lender replied on XX/XX/XXXX. I had XXXX  days to rebut their response of XX/XX/XXXX. 

I am submitting my response in the attached document. This ender has acted unlawfully against me and caused damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
I hope youre doing well. Im reaching out because I noticed a credit inquiry on my report, and I want to make it clear that I never gave them permission to check my credit. Im not sure how this happened, but I need it taken care of right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: MO

Complaint narrative:
I am filing this complaint because Kikoff Lending LLC is inaccurately reporting a debt on my credit report, and despite my previous dispute, they have failed to provide proper verification. 

On [ Date of First Dispute ], I disputed this account with XXXX under the Fair Credit Reporting Act ( FCRA ) and requested an investigation. However, on [ Date of Response ], XXXX responded stating that Kikoff Lending LLC had certified the information as accurate. 

I then attempted to verify the debt directly with Kikoff Lending LLC but did not receive sufficient documentation proving : 1. That this account is legitimately mine 2. That I owe the amount reported 3. A copy of the original signed contract or agreement Under 15 U.S.C. 1681s-2 ( a ) of the FCRA, data furnishers must ensure they report only accurate information. Since Kikoff Lending LLC has failed to provide proper documentation and continues to report this disputed account, they are in violation of federal law. 

Resolution Requested : I request that the Consumer Financial Protection Bureau investigate this matter and require Kikoff Lending LLC to provide full verification of this account, including the original contract and complete payment history. If they are unable to verify the debt, they must remove it from my credit report immediately. 

Thank you for your time and assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Well it said someone made an inquiry about a credit card on XX/XX/year>. I was alerted by my bank and I got in touch with trans union and they said there was no credit card but I did freeze the account so no one can touch it.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2025-03-08 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-08 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: TX

Complaint narrative:
Cashapp... had trouble receiving money owed... unable to speak with someone. There is a class action lawsuit that I should be a part of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: RI

Complaint narrative:
In XX/XX/year>, I received a letter from Elan Financial XXXX Services informing me that my interest rate would be increased from 13.49 % to 18.99 % ( a 40 % increase! ) for reasons cited related to ratio of balances, number of accounts in delinquency, amount owed too high, too many accounts with balances. I was surprised by these reasons as they don't accurately align with my credit history, in fact my credit has significantly improved over the last 24 months, I have no delinquent accounts and balances have decreased. When I called customer service, they suggested I review my credit report. I reviewed all XXXX agency reports and confirmed that my credit has improved over the last 5 years. Again, I called customer service after spending time gathering and reviewing my credit reports and again requested a reason for the rate increase. After being transferred to a XXXX, she explained that the rate increase was actually a company repricing for all customers and that she has gotten similar calls. I think its disingenuous and borderline libel to issue a letter noting false reasons to support a change when in fact the reason for rate change was to increase company margins and not related to the reasons provided in their letter.

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 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I've recently opened a checking account with Capital One, and moved {$550.00} from a XXXX account to them, then later transferred that to my Capital One credit account to pay off my credit card debt. A few days after that, I got a notification on the app that I was no longer able to withdraw funds, and to call the support number. I've tried calling the support number several times, who have tried to verify my XXXX account several times, and each time I've been told to reschedule at progressively less convenient times. I can't withdraw my funds, and they have full records of what happened and when, but their customer support service keeps pushing the issue down XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnished, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I came across the CFPB Experian lawsuit. 

I Feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ". 

Come with the receipts or be quick to delete.

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I got an email the morning of XX/XX/year> stating that my application with XXXX Capital One was almost complete ( application ID : XXXX ) and to upload documents by XX/XX/year>. However I did not inquire about nor start a credit application with Capital One or any other company. To check if this was a scam, I looked at my XXXX report and did see a hard credit check from Capital One from XX/XX/year>. I also saw XXXX phone numbers on my account that did not belong to me ( XXXX and XXXX ). Both of my addresses were correct, but XXXX of them had the incorrect XXXX number associated with it. 

I contacted Capital One 's customer service to find out more information and they told me they could not find an account with my info and directed me to the fraud department. I spoke with them and they were insistent I did not have an active account and to contact a XXXX XXXX XXXX to get more information. I then called XXXX to get things sorted and was able to put a fraud alert and credit freeze in place and disputed both the incorrect phone numbers and the hard credit check from Capital One. 

When I called Capital One back I was able to speak with a representative who confirmed the application had been started and was approximately halfway done. She attempted to connect me with their fraud department ( a third time ) but they were closed until Monday morning. While the representative was significantly more helpful than the previous XXXX, the bank overall seems to lack the ability to aid customers who are victims of fraud as the only option from me from here was to 'call back on Monday, ' a wholly useless recommendation when someone else is attempting to open a credit card in my name. I would honestly expect the fraud department to be open XXXX -- after all, crime happens any time. I did ask the representative whether the application could be put on hold or cancelled and she said only the fraud department could do that. 

I called XXXX back to see if anything else could be done and they recommended submitting an FTC report, which is where I am in the process now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing to formally request validation of the alleged debt referenced in your recent communication dated [ insert date of the letter you received ]. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request a validation of the debt you claim I owe.

Please provide me with the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. A copy of the original contract or agreement under which the debt arose.

4. Any records that provide evidence of my obligation to pay this debt.

Until I receive this information, I request that you cease all collection activities related to this account, as per 15 U.S.C. 1692c. 

Please respond to this request within 30 days. Failure to provide the requested validation will require you to cease collection efforts and remove any related negative information from my credit report. 

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXX Dear Dispute Department, I reviewed my credit report on XX/XX/XXXX, and noticed several inaccuracies that violate the Fair Credit Reporting Act ( XXXX  ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

The following accounts contain incomplete and incorrect information : Closed accounts : XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX FB & XXXX Closed on XX/XX/XXXX XXXX CARD Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX Since this information is not complete or accurate, I formally request that you investigate and correct these errors immediately. Please provide documentation of your investigation and the sources used to verify this information. 

I have attached copies of my credit report and any supporting documentation. Please respond in writing within XXXX  days as required by the FCRA.

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