vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-04-21 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: WI

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 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 2025-04-18 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXXXXXX * * * * {$16000.00} {$16000.00} XXXXXXXX XXXX XXXX XXXX * * * * - - XXXX XXXX  XXXX XXXX * * * * {$220.00} {$220.00} XXXX XXXX XXXX XXXX * * * * {$4900.00} {$4900.00} XXXX XXXX * * * * {$180.00} {$180.00} XXXX XXXX XXXXXXXX XXXX * * * {$1900.00} - ADDRESSES NOT RECOGNIZED 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 ExperianXXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian , XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXXxperian , XXXX XXXX XXXX XXXXXX/XX/year> TransUnion 15 U.S.C, 1681section 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 an 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 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 2025-04-18 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:
XXXX from a previous complaint agreed to send a correction letter into the XXXX credit bureaus. This letter was supposed to fix my payment history for XX/XX/year> to current instead of 30 days late. 

My credit scores took a XXXX point hit due to this late payment being reported. It is affecting me greatly as I am not able to utilize my credit as it shows low scores currently. 

XXXX stated they sent in the letter on XX/XX/XXXX to the bureaus and it has been longer than 60 days and it is still not corrected. XXXX sent me a " confirmation letter '' that they have instructed the bureaus to show that over the last 24 months to mark that I have been 7 times 30 days late, 2 times 60 days late, and 0 times 90 days late. This confirmation letter they sent to me doesn't say ANYTHING specific about fixing the XXXX payment history in 2025. I have requested to receive the letter from them that they sent to the bureaus and they REFUSE to give it to me. XXXX told me it should or could take XXXX days and the credit bureaus are stating they haven't received the correction letter. I have disputed this at least 3 times with each credit bureau and they always close my cases saying that the investigation is complete and the " data furnisher " is stating that the information on my credit report is correct. 

There is no way the bureaus are contacting XXXX because I am sure they would tell them to fix the XXXX payment history. Also I don't believe XXXX sent them in the correction letter because it should have been fixed by now. 

I am at XXXX XXXX if I can't get the actual correction letter stating to specifically correct XX/XX/year> payment history from XXXX I am going to hire a lawyer and XXXX XXXX and the credit bureaus for violating the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
XXXX from a previous complaint agreed to send a correction letter into the XXXX credit bureaus. This letter was supposed to fix my payment history for XX/XX/year> to current instead of 30 days late. 

My credit scores took a XXXX point hit due to this late payment being reported. It is affecting me greatly as I am not able to utilize my credit as it shows low scores currently. 

XXXX stated they sent in the letter on XX/XX/XXXX to the bureaus and it has been longer than 60 days and it is still not corrected. XXXX sent me a " confirmation letter '' that they have instructed the bureaus to show that over the last 24 months to mark that I have been 7 times 30 days late, 2 times 60 days late, and 0 times 90 days late. This confirmation letter they sent to me doesn't say ANYTHING specific about fixing the XXXX payment history in XXXX. I have requested to receive the letter from them that they sent to the bureaus and they REFUSE to give it to me. XXXX told me it should or could take XXXX days and the credit bureaus are stating they haven't received the correction letter. I have disputed this at least 3 times with each credit bureau and they always close my cases saying that the investigation is complete and the " data furnisher " is stating that the information on my credit report is correct. 

There is no way the bureaus are contacting XXXX because I am sure they would tell them to fix the XXXX payment history. Also I don't believe XXXX sent them in the correction letter because it should have been fixed by now. 

I am at XXXX XXXX if I can't get the actual correction letter stating to specifically correct XX/XX/year> payment history from XXXX I am going to hire a lawyer and XXXX XXXX and the credit bureaus for violating the fair credit reporting act.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
P.O. XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX , Tx XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX , Tx XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
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 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 2025-04-18 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:
I tried to access the account and they do not have my correct email address or my phone number on file

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 2025-04-18 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: TX

Complaint narrative:
I tried to access the account and they do not have my correct email address or my phone number on file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
CHIME BANKING XX/XX/year> took XXXX payments different amounts came out XXXX and XXXX totaling {$91.00} unaware and unknown dont know why that came out and neither merchant can tell me why ON TOP OF GETTING HUNG UP ON EVERYTIME I CALLED CHIME and they was communicating with me while disconnecting the call like cutting me off while talking to disconnect the call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
An account was opened in my name and i didnt open it the date was in XX/XX/year> and it wasnt me it had open things and it hurt my credit scores significantly but now my credit score is way too low for me to be able to do anything get a car loan how long flex loan care loan any type of loan for me because of these guys and I called and talk to some people and ask for asked for documents to fill out and it was nothing was never to send to me and to this day im trying to get myself out if this hole they have put me in and quite frankly, I dont believe it is fair that I have to do all this to get myself. My credit score out of a hole that I did not put myself into.

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 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XXXX requested a irs form to verify income it wasnt filled out propeerlt so they cancelled my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Since I've been with Rushmore Servicing around XXXX years. Either they say I missed a payment and when I show proof of payment, they let it go a while. twice they got me by saying do a repayment plan, so you don't owe any money, and the representative was XXXX. and this all lies, before I was with Rushmore I was with XXXX XXXX XXXX they offered me a loan modification to make the mortgage payment cheaper, but they left out the part to mention that I'll lose my fixed rate. what XXXX  did tell me to do during the loan modification don't make ant mortgage payments it will go on the back of the mortgage. in the beginning it was called Rushmore loan management service, and the account number was XXXX and now they change their name to Rushmore servicing to a different account number, the present loan number is XXXX we started with Rushmore loan management service XXXX XX/XX/XXXX, XXXX the mortgage then was XXXX it might be a little bit lower. as of, XXXX, it was XXXX around XX/XX/XXXX it was going up {$540.00}. by looking at the documents with the principal and interest, and escrow ( for taxes and insurance ) and with total fees and charges. and another unrealistic overdue payment. they are asking {$1700.00}, and this was a statement from XX/XX/XXXX. after, many, many phones call a representative from Rushmore named XXXX said even though I don't owe them any money just to get them off my back to do a repayment plan. the repayment plan was XXXX payments, the first payment made was XX/XX/XXXX, {$1100.00}. and that was under Rushmore servicing account number XXXX that was XXXX payment of XXXX. the next payment XX/XX/XXXX, and then XX/XX/XXXX, XXXX fourth payment was XX/XX/XXXX, XXXX fifth payment XX/XX/XXXX, XXXX and the last payment was XX/XX/XXXX, and that account number for every single payment XXXX all in the same amount of {$1100.00} and on each check, it said mortgage of XXXX and then it says extra {$390.00}, and I have all documentation to prove this. and also, they said they raised my payment due to insurance going up and i called my insurance XXXX XXXX and they told me that's not true I'm also tax exempt. as of, XXXX, the payment of {$940.00} my regular monthly payment was sent back and Rushmore Servicing sent it back. And now they are asking for {$1100.00}. I've been living here for XXXX  years ; we bought this house for {$140000.00} and it says on the document that we received on XX/XX/XXXX. {$110000.00}. I've been living here for XXXX  years and never missed a payment. and how do I owe them so much money. where is my money? thank you for your time signed XXXX XXXX XXXX

Company response to consumer: Closed with explanation