vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: HW Holding, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXX, Fl XXXX Re : Notice of Willful Noncompliance with FCRA under 15 U.S. Code 1681n Dear Hunter Warfield , Inc . 

This letter serves as formal notice of your willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S. Code 1681n. You have reported inaccurate information concerning my credit profile, and despite prior notice and ample opportunity to correct or verify this information, you have failed to act in compliance with federal law.

Under 15 U.S. Code 1681n, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for : Actual damages sustained, or statutory damages of not less than {$100.00} and not more than {$1000.00}, Punitive damages as the court may allow, and The costs of the action together with reasonable attorneys fees. 

I demand that you : XXXXImmediately delete or correct the inaccurate information reported to the credit bureaus. 
XXXXProvide me with written confirmation of this action within 15 days of receipt of this letter. 

Failure to respond appropriately will leave me with no choice but to pursue all available legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating a civil lawsuit. 

This is an attempt to resolve this matter amicably without litigation. Please govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
I am disputing multiple unauthorized hard inquiries reported by TransUnion, including XXXXXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. These inquiries are impacting my XXXX XXXX and do not appear to have been made with my explicit authorization, which is a clear violation of my rights as a consumer. The presence of these inquiries on my credit file without proper verification raises significant concerns about the handling and security of my personal data.

Under 15 U.S.C. 1681, creditors must ensure that inquiries are only made with a permissible purpose, and failure to comply with this requirement constitutes a direct violation of the Fair Credit Reporting Act. I am concerned that these unauthorized inquiries may have resulted from a data breach or mishandling of my personal information, further compromising my financial security. This pattern of questionable inquiries suggests a breakdown in data protection protocols, which must be addressed to prevent further harm.

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 2025-05-09 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Original loan with XXXX. Went into forbarence during XXXX with promise of deferring payments to end of loan. Them loan sold to specialized loan servicing me then sold again to shellpoint. So they tried to foreclose on me and I called to get the modification defenderment of payments handled and they said it wasn't an option since it was XXXX past due. This paramete wasn't part of what I was originally promised. So my only option is to do a modification which is a complete rip off sham or I lose my house. I'm being forced to take a XXXX loan with payments that are more than my original payments. Criminal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures 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 2025-05-10 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: NJ

Complaint narrative:
I want to make it absolutely clear that this is a valid and urgent complaint. My credit report contains inaccurate information that does not meet the legally required standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial and personal well-being. I am formally requesting an immediate and thorough investigation, and I expect all unverifiable or incorrect information to be corrected or removed without delay. Prompt resolution of this matter is not just necessaryit is imperative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: Experian Information Solutions 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 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 2025-05-09 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 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 Metro 2 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 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 2025-05-09 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: MA

Complaint narrative:
I am filing a formal complaint regarding multiple unauthorized hard inquiries reported on my credit reports with Experian, Equifax, and TransUnion. 

I did not apply for credit, authorize, or grant permission for any of these companies to access my credit reports. No permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, exists for these inquiries. I have not provided written, verbal, or electronic consent to any of these companies to obtain my credit report. 

These unauthorized inquiries are adversely affecting my creditworthiness and violate my rights under the FCRA. I have contacted the credit bureaus and the companies listed below to dispute these inquiries and request their removal. To date, no resolution has been provided. 

Below are the details of the unauthorized inquiries : Experian Inquiries : Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Date : XX/XX/XXXX | Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX TransUnion Inquiries : Inquiry Date XXXX XX/XX/XXXX | Creditor Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX Equifax Inquiries : Inquiry XXXX : XX/XX/XXXX | Creditor Name : XXXX Inquiry Date : XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Creditor Name : XXXX XXXX XXXX XXXX I am requesting immediate deletion of all unauthorized inquiries listed above from my Experian, Equifax, and TransUnion credit reports, in accordance with the FCRA. These inquiries were made without my authorization or permissible purpose, and I am exercising my rights under the law to dispute and have them removed.

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 2025-05-09 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
Disputing XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, U.S. Department of Education Acct # XXXX and # XXXX. Info is inaccurate & unverifiable. Per 15 U.S.C. 1681i & CFPB v. Experian ( XXXX ), provide method of verification, docs used, XXXX XXXXe-OSCAR data. If unverifiable, delete. This is formal notice under FCRA. I sent notice certified mail to all three credit reporting agencies. still no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
Disputing XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, U.S. Department of Education Acct # XXXX and # XXXX. Info is inaccurate & unverifiable. Per 15 U.S.C. 1681i & CFPB v. Experian ( XXXX ), provide method of verification, docs used, XXXX XXXXe-OSCAR data. If unverifiable, delete. This is formal notice under FCRA. I sent notice certified mail to all three credit reporting agencies. still no 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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the reporting of a bankruptcy currently showing on my credit report. I have official documentation from the court that clearly confirms this bankruptcy should not have been reported to the credit bureaus in the first place. The fact that it still appears on my credit file despite this court-issued letter is both concerning and disappointing. 

In addition, the presence of an unauthorized third party involved in this matter only adds to the severity and urgency of the situation. This raises serious concerns about the accuracy, security, and overall integrity of the information being reported on my credit file. I kindly request that you carefully review this matter, take the necessary steps to investigate, and ensure that this incorrect bankruptcy entry is promptly and permanently removed from 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates is reporting a charged-off account originally from XXXX XXXX XXXX in the amount of {$2500.00}, which appears as unpaid and collectible on my credit report. However, I have reasons to believe that this reporting may be incomplete, inaccurate, or legally invalid for the following reasons : This account is listed as charged-off, which under IRS regulations ( 26 U.S.C. 6050P ) requires the creditor or debt buyer to issue a Form 1099-C ( Cancellation of Debt ) if the debt has been canceled or discharged.

Despite requesting proper validation of this debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including proof of ownership, contract, full account history, and legal right to collect, Portfolio Recovery Associates has not provided any legal validation. 

Continuing to report this debt without providing the required Form 1099-C or legal validation is misleading and violates federal consumer protection laws, including the FCRA ( 15 U.S.C. 1681e ( b ) ) and FDCPA ( 15 U.S.C. 1692g ). 

Their recent letter dated XX/XX/year>, fails to provide validation and only refers me to submit a request again, despite my earlier efforts. This appears to be evasion rather than compliance. 

I am requesting that Portfolio Recovery Associates provide the legally required 1099-C if this debt has been canceled, validate the debt with proper documentation, or delete this account entirely if they are unable to fully comply with these legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MS

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
Subject : Ongoing Reporting of Inaccurate and Unverifiable Repossessed Account Violations of Metro 2 and FCRA Dear Consumer Financial Protection Bureau, I am submitting a formal complaint concerning the ongoing inaccurate and unverifiable reporting of a charged-off and repossessed auto lease account by a data furnisher to major credit reporting agencies.

Violations with Supporting Evidence : 1. Inaccurate Status Reporting : The account in question was charged off as of XX/XX/XXXX, yet continues to be reported with an Open status and remarks such as Profit and loss write-off. According to Metro 2 standards, charged-off accounts must be reported as Closed with a final status. This false Open reporting misleads creditors and violates FCRA 1681e ( b ).

2. Post-Charge-Off Delinquencies : Despite the charge-off, the furnisher continues to report new late payments and derogatory marks throughout XXXX. Under Metro 2 and FCRA, delinquencies can not be reported after charge-off. This is misleading and causes undue harm to my credit profile.

3. False Past Due Balance : The account still reflects a balance of {$21000.00} as past due, suggesting that the account is currently delinquent. This is inaccurate and misrepresents the actual status of the debt. 

4

. Failure to Verify Information : I have submitted disputes and requested documentation, including audit trail data in Metro 2 format, under FCRA 609 and 1681i. No verification has been provided. Under FCRA 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted from my credit report.

Requested Resolution : - Immediate deletion of the inaccurate account from all credit reports due to continued violations and lack of verification ; - Formal investigation into the data furnishers Metro 2 compliance practices ; - Written confirmation of the resolution and corrective actions taken.

I have attached relevant screenshots and documentation showing continued reporting irregularities beyond the charge-off date. Thank you for your attention and support in protecting consumer credit rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-09 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: OH

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