vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I, the consumer has attempted severally to have fraudulent accounts removed and blocked but thy have not complied despite federal law. I have provided a police report, XXXX theft report and id multiple times. My actual physical identification was stolen and has been used by perpetrators across the XXXX. 
These inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-03-04 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: CT

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My personal identity information has been leaked online

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 2025-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage claims I have a {$1600.00} escrow shortage, but my property tax increase was only {$840.00}. In prior years, I received escrow refunds ( {$390.00} in XXXX, {$280.00} in XXXX, {$480.00} in XXXX ), yet this year I suddenly have a shortage nearly double my tax increase. I requested a full breakdown of escrow deposits, disbursements, and cushion calculations to explain this discrepancy. 

Additionally, I made multiple extra principal payments in recent months to pay down my loan faster ( {$500.00} in XX/XX/XXXX, {$100.00} in XX/XX/XXXX, {$200.00} in XX/XX/XXXX ), but my loan balance did not decrease as expected. For example, after my {$500.00} payment in XXXX, my balance should have reduced by that amount plus my normal principal reduction, but it was {$230.00} lower than expected. This pattern also occurred in previous months. I requested a full loan payment ledger to verify where my extra payments went and whether they were misapplied, delayed, or used to offset other costs. 

I formally submitted a written request to Freedom Mortgage on XX/XX/XXXX demanding a full, itemized response within 10 days. I am preemptively filing this CFPB complaint to ensure accountability, as I believe they may be misapplying funds and improperly calculating escrow, leading to increased costs on my end. If they fail to provide a full response, I will escalate further.

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 2025-03-04 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: GA

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 2025-03-04 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 Experian 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 XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-04 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed a fraudulent on my report XXXX XXXX XXXX XXXX XXXX XXXX this account is not mine and need to be remove remove from my account immediately. 
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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to inform you that I have been a victim of identity theft. 
The fraudulent inquiry listed in this letter and FTC report attached to this platform will help to delete fraudulent inquiry from my TransUnion credit report according 605B of the Fair Credit Reporting Act. 
Fraudulent inquiry is XXXX reported on XX/XX/year> 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 2025-03-04 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and I did not make these charges. I believe my information was breached at the time. I ask that the items be deleted off of my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade 's Commission Identity Theft Adavit.

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 2025-03-04 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: CT

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed a fraudulent account from report XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) act # XXXX this account is not mine and need to be remove from my report immediately please remove this account from my report because its hurting my credit. 
THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed a fraudulent account from report XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) act # XXXX this account is not mine and need to be remove from my report immediately please remove this account from my report because its hurting my credit. 
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 2025-03-04 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF ALL INCORRECT INFORMATION ON MY CREDIT REPORT I HAVE PREVIOUSLY REQUESTED THIS INFORMATION BE REMOVED IN THE 4 DAY PERIOD PROVIDED BY LAW.

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 2025-03-04 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 am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX {$3000.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

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 2025-03-04 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 am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX {$3000.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
Its been all type of accounts opened in my name all type of fraud has been done and i dont know how anyone could have my information now Im reading about all these data breaches and it links back to the dark web i need all this stuff taken off of my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Date : XXXX *Amount : {$10000.00} *Actions by collection company : sent out maybe 2 to 3 collection letters already *Actions by me : wrote 2 letters stating that I can NOT pay due to I have NO JOB therefore NO INCOME.

** P.S. this is a collection agency & they are not the original owner of the debt. I can NOT pay this debt due to several hardships I've had through out the past XXXX yrs!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: OH

Complaint narrative:
I reviewed my consumer reports and I noticed that I had 1 collection I was in fact never late on or have knowledge of. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XX/XX/XXXX through XX/XX/XXXX for account # XXXX. This is in complete violation of 15 U.S Code 1692, and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to inform you that I have been a victim of identity theft. 
The fraudulent inquiries listed in this letter need to be marked as fraud and deleted from my Equifax credit report according 605B of the Fair Credit Reporting Act. 

Fraudulent inquiries are XXXX XXXX requested XXXX XXXX XXXX XXXX XXXX requested on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
XX/XX/year> past due of XXXX ( inaccurate ) because i was on time with my payment Paid anyway the amount since it was going to pay towards my debt. The payment wasnt applied toward past due. Hopefully was applied somewhere. Idk. Not trusting them at this point.

Tried again, and again and again. 4 payments in XXXX month. Nothing went towards past due. 
Contacted customer on chat. Advised to select past due. Ok. Done that but At this point the amount doubled to XXXX Paid that. 3 times. Being assured by customer service will be applied. Still nothing. 
Contacted again by phone. On hold most of the XXXX minutes. Requesting XXXX since first lady was clueless. 
XXXX more clueless. Stated she will solicit a research about the situation. Horrible experience. Both had no idea what they were talking about. And i am still appearing past due. Now i really dont know what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX D.C. XXXX Dear Sir/Madam, I am writing to file a formal complaint against CashApp regarding multiple issues I have encountered with my account. These issues have caused me significant frustration and financial concern, and I am seeking assistance in resolving them. 

On [ insert date ], I noticed a series of large, unusual transactions on my CashApp account. I immediately alerted CashApp customer service, informing them that I did not authorize these transactions, and that my account had likely been compromised. Despite my prompt notification, CashApp denied my dispute and failed to take appropriate action to investigate or reverse the fraudulent transactions. This lack of action left me at a considerable financial loss. 

In addition to the failure to address the fraudulent transactions, I also encountered a problem where CashApp blocked my card from legitimate purchases that I attempted to make. However, they allowed the fraudulent charges to go through with ease, further compounding my frustration and highlighting their poor handling of the situation.

I believe CashApps response to this matter was inadequate, and their actions have caused unnecessary financial harm. The fact that they allowed fraudulent charges to be processed while blocking my own legitimate transactions is unacceptable.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in holding CashApp accountable for their mishandling of both the fraudulent transactions and my legitimate account activity. 

Please let me know if you require any additional information or documentation to proceed with this complaint. I am available at XXXX or XXXX if you need further details. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX. 

Issues were reported to CashApp on XX/XX/year>.

Company response to consumer: Closed with explanation