vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX reported to my credit without my knowledge. No information was requested prior.

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 2025-02-21 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report, as the results of your recent investigations have not resolved the inaccuracies I identified. 

Despite my previous requests for investigation, the following information remains inaccurately reported on my credit files. 
Experian : XXXX XXXX Equifax : XXXX XXXX XXXX : Not Reporting | have provided documentation to support my claims, but your investigations have not been thorough, and the inaccuracies persist. It appears that due diligence was not exercised in reviewing my disputes, and I believe my rights as a consumer have not been upheld. 

I request an immediate review of this matter, including a thorough investigation into the inaccuracies mentioned above. I expect a prompt response detailing the findings of your investigation and the actions you will take to correct my credit report. Thank you for your attention to this matter. Ilook forward to your swift 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to 15. U.S.C 1692C you have violated my rights by in lawful communications please remove all account/collection off of mg credit report. 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I opened a SoFi checking account and signed up for the {$300.00} checking account bonus. To qualify, I had to receive {$5000.00} in direct deposits from my employer via ACH within 25 days of receiving my first deposit. I received my paychecks via ACH as follows : {$2000.00} on XX/XX/XXXX, {$2000.00} on XX/XX/XXXX, and {$1000.00} on XX/XX/XXXX, totaling {$5000.00}. I expected to receive the bonus in my account within XXXX  days, as it says in the terms of the promotion. However, the bonus never arrived, so I contacted customer service on XX/XX/XXXX. The agent told me the direct deposits were coded incorrectly, and sent a request to get them coded correctly so I could receive my bonus. I still hadnt received my bonus on XX/XX/XXXX, so I contacted customer service again. The agent told me it can take XXXX billing cycles to reflect on my account. I waited until today, XX/XX/XXXX, and the bonus still has not arrived. So, I contacted customer service again. They told me the direct deposits were coded as standard ACH and didnt come from a payroll provider, so I didnt qualify for the bonus. It doesnt say anywhere in the terms that the direct deposits have to be from a payroll provider. I work for a small company that does their own payroll, but they do offer direct deposit via ACH. I shouldnt have to jump through hoops to receive a simple checking account bonus. If this has been my experience, Im sure XXXX has done this to countless other customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am reporting unauthorized hard inquiries on my Experian credit report, despite having a history of identity theft. The following inquiries were made without my consent : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ). ** I attempted to dispute these inquiries, but Experian does not allow online disputes for inquiries. I have also taken proactive steps by freezing my credit file to prevent further fraudulent activity. However, these inquiries remain on my report, impacting my credit unfairly. I request an investigation into these unauthorized inquiries and their immediate removal, as required under the Fair Credit Reporting Act ( 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
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am reporting unauthorized hard inquiries on my Experian credit report, despite having a history of identity theft. The following inquiries were made without my consent : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ). ** I attempted to dispute these inquiries, but Experian does not allow online disputes for inquiries. I have also taken proactive steps by freezing my credit file to prevent further fraudulent activity. However, these inquiries remain on my report, impacting my credit unfairly. I request an investigation into these unauthorized inquiries and their immediate removal, as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I filed formal disputes with Experian and Equifax regarding inaccurate and unverifiable negative accounts on my credit report. Although these accounts had already been removed from XXXX, Experian, and Equifax continue to report them, creating inconsistencies and inaccuracies in my credit profile. 

The disputed accounts include charge-offs from multiple creditors, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX , including a charged-off auto loan. These accounts have been negatively impacting my credit standing despite my efforts to correct the information. 

I exercised my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by disputing these accounts and requesting verification. However, Experian and Equifax failed to conduct a proper reinvestigation within the 30-day timeframe, as required under 15 U.S.C. 1681i. 

To escalate the issue, I submitted a formal complaint to the Texas State Attorney Generals Office on XX/XX/year>, urging them to investigate Experian and Equifax for noncompliance with federal regulations. Additionally, I have sent multiple dispute letters to both credit bureaus demanding the removal of these accounts under 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reports. 

Despite these actions, Experian and Equifax have yet to correct their reporting, failing to provide proper verification or remove the inaccurate accounts. Their continued noncompliance is causing ongoing financial harm and affecting my ability to secure credit. I am seeking intervention from the Consumer Financial Protection Bureau to enforce corrective actions and hold these credit reporting agencies accountable for their negligence in ensuring accurate consumer reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
In XXXX of XXXX my XXXX XXXX XXXX unexpectedly, which caused a huge financial strain within my household. I applied for my XXXX modification in XXXX ( XXXX ) & the mortgage company reduced my mortgage by {$100.00}. The {$100.00} reduction did not relieve my struggle. After applying for a modification again in XXXX, I was denied a modification due to insufficient income. After getting a Certified Counselor from XXXX XXXXXXXX involved, once again the modification was again denied, for the same reason ( insufficient income. I have lived in my home for more than XXXX XXXX and I would love to reside here. 

Please help me remain in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$21000.00}

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2025, I submitted a dispute to Equifax and Experian regarding fraudulent accounts in my name, specifically XXXX XXXX XXXX and XXXX XXXX. I provided : A valid identity theft report Proof of my identity ( ID, Social Security, and utility bill ) A formal dispute letter demanding deletion under FCRA Section 605B Violations by Equifax & Experian : Failure to block fraudulent accounts within 4 business days ( Required under FCRA 605B ) Failure to provide verification documents proving I owe the debt ( Required under FCRA 609 & 611 ) Updated the balance to XXXX but refused to delete the fraudulent account Allowed an account to remain in my credit file even though XXXX XXXX XXXX no longer owns the debt Refused to provide a written statement of the investigation process and results On XX/XX/, I submitted a formal dispute to Equifax & Experian regarding a fraudulent charge-off reported by XXXX XXXX XXXX . 
I provided : A valid identity theft report Proof of my identity ( ID, Social Security, utility bill ) A dispute letter demanding removal Under FCRA 605B, credit bureaus MUST block fraudulent accounts within 4 business days.

It has now been over 18 days, and they have not removed the account or provided verification that I owe this debt. 
Violations Committed by Equifax & Experian : 1 Failure to remove fraudulent accounts within 4 business days ( FCRA 605B ) 2 Failure to verify the debt by providing a signed contract ( FCRA 609 & 611 ) 3 Continued reporting of a {$0.00} balance charge-off without a 1099-C ( Violation of IRS Code 6050P ) 4 Deliberate noncompliance & harm to my creditworthiness Requested Resolution : 1 Immediate deletion of the XXXX XXXX XXXX account XXXX 
2 Written confirmation of the deletion.

3 Regulatory action against Equifax & Experian for violating federal law. 
If this is not resolved immediately, I will pursue legal action for damages under FCRA 616 & 617. 


Despite my prior disputes, Equifax and Experian have failed to remove these accounts, violating federal law. Instead, you have : Updated the balance to {$0.00} but failed to delete the charge-off a contradiction that violates FCRA 1681e ( b ) ( accuracy requirement ). 
Ignored my identity theft report and refused to block fraudulent accounts within 4 business days, violating FCRA 605B. 
Failed to verify the debt by providing a signed contract proving I owe this debt, violating FCRA 609 & 611.

These violations are severe, willful, and actionable under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX  XXXX BLATANTLY VIOLATES SEVERAL FCRA regulations. XXXX XXXX account was CHARGED OFF on XX/XX/XXXX on EQUIFAX, XXXX XXXX, XXXX and XXXX XXXX of XXXX. XXXX XXXX continues to report it as a charge off/ collection status open, with discrepancies between each of the credit bureaus. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX XXXX deceptively report incorrect information to credit agencies. Despite being charged off, XXXX XXXX has failed to provide me with a 1099-C form, as required by IRS code 4681. Additionally, XXXX XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

Company response to consumer: Closed with non-monetary relief