vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XXXX and XX/XX/year>, I experienced financial hardship due to an unexpected job loss, which led to XXXX XXXX late payments on my XXXX XXXX ( ending in XXXX ). Prior to this, I had an excellent payment history with RBFCU for over three years. Before making the payments, I contacted RBFCU by phone to ask about my options, and a representative misinformed me that making a partial payment would prevent any negative impact on my credit report. Based on this guidance, I proceeded as instructed, only to later discover that the late payments were still reported to the credit bureaus, negatively impacting my credit score. 

Upon realizing this, I immediately brought my account current and have since paid off the account in full. Following this, I submitted a goodwill adjustment request to RBFCU, explaining the situation and requesting removal of the late payments as a courtesy. I also cited the Fair Credit Reporting Act ( FCRA ), which does not require creditors to report late payments, only that reported information be accurate. 

My request was denied, and RBFCU stated they had conducted an investigation and determined the information was accurate. However, they never provided any documentation or details of this investigation. 

Since then, I have followed up multiple times requesting RBFCU to provide : XXXX. The criteria and policies used to evaluate goodwill adjustment requests. 
XXXX. The specific records reviewed in their investigation. 
XXXX. The conclusions drawn from their investigation. 
XXXX. Any internal or external communications related to my request. 

Despite my repeated requests, RBFCU has refused to provide any of this information and continues to issue the same response without addressing my concerns. Their refusal to disclose documentation raises concerns about whether a legitimate investigation was conducted, as required under FCRA 623 ( a ) ( 8 ) when responding to consumer disputes. 

Additionally, I have received assistance from other financial institutions that have honored goodwill adjustments in similar circumstances. However, RBFCU remains uncooperative, despite having discretion under the FCRA to remove or suppress the late payments. 

At this point, I am filing this complaint to ensure transparency and accountability regarding RBFCUs dispute-handling process. I request that RBFCU : Provide documentation of the investigation they claim to have conducted. 
Reconsider my goodwill adjustment request based on the miscommunication from their representative and my otherwise excellent credit history. 

I appreciate the CFPBs assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: SC

Complaint narrative:
The following accounts are not mine. I have know knowledge of these accounts and these accounts were not authorized. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-09 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: CA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I recently discovered that a credit card account was fraudulently opened in my name without my consent. This account resulted in a charge-off that is now damaging my credit report. I am a victim of identity theft, and I am requesting that you investigate this fraudulent activity. I can provide a police report, an FTC Identity Theft Report, and any other documentation needed to support my claim. Once the fraud is confirmed, I kindly request that the charge-off be removed from my credit report, as I am not responsible for this account or the resulting charges. Please let me know the next steps to resolve this matter.

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 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : XXXX Inquiry date : XXXX XXXXXXXX XXXX Inquiry date : XXXXXXXX XXXX XXXX XXXX Inquiry date : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX  XXXX bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Open date : 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 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I applied for a home equity loan. I was told that there was a charge-off from XXXX XXXX that remained unpaid and open. That account belongs to my husband who had filed for personal bankruptcy protection on XX/XX/year>. The amount in question at the time was for {$3500.00}, it had since accrued interest and is around {$4000.00}. I signed up for XXXX, XXXX, and Transunion to dispute the error with no success. I am requesting that this information be removed from all three credit bureaus. I would also like a copy of my new credit reports reflecting that change.

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 2025-03-09 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: MA

Complaint narrative:
On XX/XX/XXXX, I applied for a home equity loan. I was told that there was a charge-off from XXXX XXXX that remained unpaid and open. That account belongs to my husband who had filed for personal bankruptcy protection on XX/XX/year>. The amount in question at the time was for {$3500.00}, it had since accrued interest and is around {$4000.00}. I signed up for Equifax, XXXX, and XXXX to dispute the error with no success. I am requesting that this information be removed from all three credit bureaus. I would also like a copy of my new credit reports reflecting that change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I applied for a home equity loan. I was told that there was a charge-off from XXXX XXXX that remained unpaid and open. That account belongs to my husband who had filed for personal bankruptcy protection on XX/XX/year>. The amount in question at the time was for {$3500.00}, it had since accrued interest and is around {$4000.00}. I signed up for XXXX, Experian, and XXXX to dispute the error with no success. I am requesting that this information be removed from all three credit bureaus. I would also like a copy of my new credit reports reflecting that change.

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 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-03-09 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I never applied for these inquiries auto loans or personal loans. I do not recognize inquiries please remove immediately I did not authorize any of these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I never applied for these inquiries auto loans or personal loans. I do not recognize inquiries please remove immediately I did not authorize any of these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: LEXISNEXIS
State: TX

Complaint narrative:
I recently did an investigation on my consumer report which caused severe XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: CORELOGIC INC
State: TX

Complaint narrative:
I recently did an investigation on my consumer report which caused sXXXX XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their 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 seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted several written touches to Equifax, Experian and Transition however I have nor received verification letters for the accounts nor are the accounts that are paid in full are not marked as closed or 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 2025-03-09 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: GA

Complaint narrative:
I have submitted several written touches to Equifax, Experian and Transition however I have nor received verification letters for the accounts nor are the accounts that are paid in full are not marked as closed or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: DC

Complaint narrative:
I asked this company to send me a copy of the 1099c form that they received due to reporting my debt as a profit loss with the IRS. This company never responded and it shouldve been given to me in the first place. Theyre reporting something different on my credit report than whats their books. I have grounds for deletion cause the debt collector collect on a debt that has been cancelled. I will be reporting this company to the IRS FOR SUSPENSION OF FRUAD if this account not deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope you're doing well. I'm writing because theres an issue on my credit report that needs to be corrected as soon as possible. Theres some information on there that isnt mine, and its affecting my credit in ways it shouldnt be.

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 2025-03-09 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: Experian Information Solutions 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 Experian credit report : XXXX XXXX XXXX Account number:XXXX  Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX  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 explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Told them that we did not owe and had went to court and this was dismissed by the landlord we also sent a copy of the dismissal and asked them to validate this did not receive anything and this collection went on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: NY

Complaint narrative:
I have already escalated the outstanding debt on my account to EdFinancial multiple times. I have provided your team with the police report and escalated the Treasury check issue to law enforcement.

I am requesting your team to REMOVE the interest accruing on my account while we await a resolution from Treasury. EdFinancial has PROOF that I have never received the refund check and have statements proving that I fully paid off this debt in XXXX through XXXX XXXX XXXX. I was NEVER informed of a refund check being mailed out by either Treasury or Department of Education. 

Treasury is claiming that your team at EdFinancial has NEVER filed a claim that my check was stolen. I have submitted multiple disputes and a police report and your team has all the phone call records and notes dating back to XXXX of XXXX. The check was cashed in XX/XX/XXXX. 

Please RE-ESCALATE this issue to Treasury. I have identified that the outstanding debt is a result of a Treasury sending out all of my payments through a mailed check that someone STOLE and cashed in at XXXX XXXX XXXX XXXX  in XXXX in XXXX. 

I have sent proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: DC

Complaint narrative:
I asked this company to send me a copy of the 1099c form that they received due to reporting my debt as a profit loss with the IRS. This company never responded and it shouldve been given to me in the first place. Theyre reporting something different on my credit report than whats on their books. I have grounds for deletion cause the debt collector collect on a debt that has been cancelled according to IRS law. I will be reporting this company to the IRS FOR SUSPENSION OF FRUAD if this account not deleted

Company response to consumer: Closed with explanation