vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: MD

Complaint narrative:
This complaint is related to a previous complaint I filed with CFPB ( complaint # XXXX ) in XX/XX/year> and XXXX XXXX XXXXXXXX and its collection agency XXXXXXXX XXXX XXXXXXXX has still not resolved the issue. 

According to an agreement between me and XXXX XXXX XXXXXXXX my outstanding balance was reduced to {$54000.00} and I was obligated to pay it back on a set schedule. I have been making payments as of XX/XX/year> but XXXX  XXXX XXXX has neither notified the credit bureaus of the reduction in outstanding debt nor reported my monthly payments. This has caused a severe drop in my FICO score and made it impossible to secure a loan from anywhere including XXXX XXXX for myself or for my company. 

Attached are the documents that I previously received from XXXX  XXXX XXXX to my last CFPB compliant recently and is a letter that I sent to XXXX  XXXX XXXX XXXX. I have been unable to reach their agents, XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MD

Complaint narrative:
This complaint is related to a previous complaint I filed with CFPB ( complaint # XXXX ) in XX/XX/year> and XXXX XXXX XXXXXXXX and its collection agency XXXXXXXX XXXX XXXXXXXX has still not resolved the issue. 

According to an agreement between me and XXXX XXXX XXXXXXXX my outstanding balance was reduced to {$54000.00} and I was obligated to pay it back on a set schedule. I have been making payments as of XX/XX/year> but XXXX  XXXX XXXX has neither notified the credit bureaus of the reduction in outstanding debt nor reported my monthly payments. This has caused a severe drop in my FICO score and made it impossible to secure a loan from anywhere including XXXX XXXX  for myself or for my company. 

Attached are the documents that I previously received from XXXX  XXXX XXXX to my last CFPB compliant recently and is a letter that I sent to XXXX  XXXX XXXX XXXX. I have been unable to reach their agents, XXXX XXXX XXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
This complaint is related to a previous complaint I filed with CFPB ( complaint # XXXX ) in XX/XX/year> and XXXX XXXX XXXXXXXX and its collection agency XXXXXXXX XXXX  XXXX has still not resolved the issue. 

According to an agreement between me and XXXX  XXXX XXXX my outstanding balance was reduced to {$54000.00} and I was obligated to pay it back on a set schedule. I have been making payments as of XX/XX/year> but XXXX  XXXX XXXX has neither notified the credit bureaus of the reduction in outstanding debt nor reported my monthly payments. This has caused a severe drop in my FICO score and made it impossible to secure a loan from anywhere including XXXX XXXX for myself or for my company. 

Attached are the documents that I previously received from XXXX  XXXX XXXX to my last CFPB compliant recently and is a letter that I sent to XXXX  XXXX XXXX today. I have been unable to reach their agents, XXXXXXXX XXXX XXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-11 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, a wire of {$99000.00} was received by NFCU from my brokerage account at XXXX XXXX XXXX using XXXX XXXX  as the distributing bank. 
I visited a branch to request a withdrawal and then wanted to wire the rest of the deposit to my account at XXXX. 
I was advised that the wire was placed on hold by security in lieu of a response from the distributing bank that the wire was valid. 
No one at NFCU, even a manager in the fraud department named XXXX could give me a satisfactory reason for the hold or when it would be released.I explained that I have wires sent from XXXX to NFCU routinely. No one there seemed to really know anything and expressed a complete lack of urgency in assisting me. That wire is extremely important, or else it would have been sent as an ACH deposit. 
I have been a member of NFCU since XXXX, and to be treated this way is not unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 2025-03-11 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: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
I am writing to formally dispute the accuracy and integrity of my student loan account information as maintained by the Department of Education. Recent eventsincluding a widely publicized data breach linked to activities involving XXXX XXXXXXXXhave raised serious concerns about the security of my personal information within your systems. 

Data Breach and Personal Information Concerns I have become aware of potential vulnerabilities in data security protocols that may have exposed my sensitive personal information. This breach raises the possibility that my account details have been compromised, altered, or otherwise mishandled. Given these circumstances, I am requesting that my student loan account be thoroughly reviewed with a focus on ensuring that any changes or discrepancies resulting from unauthorized access are identified and corrected.

Request for Debt Validation and Account Review In light of these concerns, I respectfully request the following : 1. Comprehensive Debt Validation : Please provide a complete validation of my student loan account, including all documentation that supports the accuracy and origin of the debt. This should include details on the original creditor, the accounts transaction history, and any modifications that may have occurred.

2. Review of Data Security Impact : I request a detailed explanation of how the recent data breach may have affected my student loan account information. If any unauthorized access or alterations have been identified, please outline the measures taken to correct these issues and secure my personal data.

3. Immediate Corrective Actions : Should your investigation reveal discrepancies or unauthorized changes to my account data, I request that these errors be corrected immediately. In the event that the account information can not be verified as accurate due to the breach, I ask for the affected records to be suspended or removed pending further investigation.

This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I expect a written response within 30 days detailing the results of your review and any actions taken to resolve these concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
I lived in an apartment XXXX XXXX XXXX XXXX XXXX. Moved out XX/XX/XXXX. The administration took forever to inspect the apartment and finally decided to charge me {$5.00} and charging interest at XXXX XXXX rate. It's important to say that in the XXXX XXXX I lived there they never changed any carpets and now they want me to pay in full for 5 years + carpets. Also the company is charging me for a supposed falt on my side because they say I let them know about me moving just 30 days prior to the date and I have proof I let them know more than 60 days before. The worst is making a validation letter to the collection account and literally they told me by email that I'm not entitled to ask for those documents. They have not responded my letter and damaged my credit without having authorization to use or report my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ma, XXXX XXXX ( XXXX ) XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX : Request for Account Verification Dear [ XXXX ], I am writing to formally request verification of this account reported on my credit file. I am not disputing the validity of the debt ; however, I would like to better understand the details of my account and request the following information : 1. The method used to verify this account as accurate and valid.

2. A complete payment history of the account, including any modifications or updates.

3. The original creditors name and contact information.

4. Any relevant documents used to report this account to my credit file.

5. Confirmation that my personal information has not been compromised due to recent data breaches involving the Department of Education or other financial institutions. 

As there have been multiple reported breaches affecting student and borrower data, including potential unauthorized access by Department of Education employees, I would like confirmation that my account information was not affected. 

Please consider this request time-sensitive and respond within 30 days, as required under the Fair Credit Reporting Act ( FCRA ). If you are unable to verify this account, I request that it be removed from my credit report immediately.

You may send your response to the address listed above or contact me at XXXX or ( XXXX ) XXXX if additional information is required. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed this fraudulent account on my credit report. Please remove this fraudulent account for my credit report is hurting my ability to obtain credit to purchase a home for my family. Thank you.

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 2025-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX  I responded to an ad on XXXX. It was was an ad for XXXX. They had a site that was set up for me to believe it was actually XXXX XXXX Anyway, I decided to purchase a few items because they had good prices on clearance. 
When XXXX rolled around and I hadnt received any items or a items shipped email, I began to look into what was up. The email listed for support on items I had purchased was returned undeliverable. I looked at cash app transactions and noticed that the company I had spent the money with was actually listed as something that I didnt think big lots would use ( XXXX ). I looked on XXXX and typed in bi lots closures and page was removed, but warnings of scam site was on there. I filed a dispute with cash app and they denied claim stating they had determined that transaction was fulfilled. If I had any questions about the documents they used to determine this I should contact them. I did and I asked for documentation they used to determine that this fraudulent transaction had been fulfilled. Of course they did not provide that. I kept getting a reference number and told that it had to be sent to some other department, but still never heard anything back. Now if I click on trying to dispute the claim an automatic message pops up threatening to suspend my cash app card. 
I think its sad that these people are apart of these fraudsters scam and people like me are being taken advantage of through scams and the big companies that allow scammers to do what they do using big companies. 
Supposedly cash app expects everyone to verify who they are when issuing a card then they know who scammed me. So I cant do anything about that? They can quickly take my money and send it somewhere but refuse to protect anyone from fraud when using their service? Obviously they are making money off of people using their services so its not like they dont have anything invested in people using their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, SUITE XXXX, XXXX XXXX TX 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 2025-03-11 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: SC

Complaint narrative:
My information was exposed in a data breach, and you got ta remove this information, don't turn my dispute into a 30 day dispute, under section 605 B, this should be removed in 4 days.

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 2025-03-11 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: SC

Complaint narrative:
My information was exposed in a data breach, and you got ta remove this information, don't turn my dispute into a 30 day dispute, under section 605 B, this should be removed in 4 days.

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 2025-03-11 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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