vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: TRANSWORLD SYSTEMS INC
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-03-27 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:
XXXX XXXX XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX Phone : XXXX SSN : XXXX DLN : XXXX Email : XXXX I am writing to formally dispute late payments on my XXXX XXXX card which was formally a XXXX XXXX card. I will be attaching that account which shows no lates as well as other accounts associated to the account with the late payment. What I believe happened was I was not notified of the changes that the XXXX card had been bought by XXXX XXXX or maybe through the changes notification were over looked or just didnt come as those things do occur not to put fault on myself or on XXXX XXXXXXXX. If I may ad 15 usc 1681G ( 2 ) FCRA 611 ( 15 U.S.C. 1681i ( 3 ) FCRA 623 ( 15 U.S.C. 1681s-2 This late error was beyond my control, and I demand that it is fixed to never late. 
The report also shows different opening dates as well as amount owed. Again if you look over the reports I am sending you can see the error occurred when the company switched from XXXX to XXXX XXXX It showing late on two accounts as well as you can see by the 3 screen shots I have attached and I know Im losing way extra points for that as well. 
I attached a receipt dated XXXX with my identification renewal as well as my voter registration card to help with identification purposes. Thanks for your time and help. 
Name of company : XXXX XXXX account Number. : XXXX Amount. : {$200.00} Opening Date. : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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:
XXXX XXXX XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX Phone : XXXX SSN : XXXX DLN : XXXX Email : XXXX I am writing to formally dispute late payments on my XXXX XXXX card which was formally a XXXX XXXX card. I will be attaching that account which shows no lates as well as other accounts associated to the account with the late payment. What I believe happened was I was not notified of the changes that the XXXX card had been bought by XXXX XXXX or maybe through the changes notification were over looked or just didnt come as those things do occur not to put fault on myself or on XXXX XXXXXXXX. If I may ad 15 usc 1681G ( 2 ) FCRA 611 ( 15 U.S.C. 1681i ( 3 ) FCRA 623 ( 15 U.S.C. 1681s-2 This late error was beyond my control, and I demand that it is fixed to never late. 
The report also shows different opening dates as well as amount owed. Again if you look over the reports I am sending you can see the error occurred when the company switched from XXXX to XXXX XXXX It showing late on two accounts as well as you can see by the 3 screen shots I have attached and I know Im losing way extra points for that as well. 
I attached a receipt dated XXXX with my identification renewal as well as my voter registration card to help with identification purposes. Thanks for your time and help. 
Name of company : XXXX XXXX account Number. : XXXX Amount. : {$200.00} Opening Date. : 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 2025-03-28 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:
XX/XX/XXXX there was unauthorized inquires reported on 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 explanation
Consumer complaint received 2025-03-27 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, filed a formal dispute with TransUnion regarding egregious inaccuracies on her credit report dated XX/XX/XXXX, which have severely damaged her financial standing, as evidenced by her XXXX Score XXXX of XXXXbelow the U.S. consumer average. The report lists XXXX negative accounts directly responsible for this harm : XXXX ( Account Number : XXXX, Page XXXX ), falsely reported as XXXX  days past due with XXXX late payments and a {$12000.00} past-due balance, despite the last payment being XX/XX/XXXX ( over 4 years ago ), indicating a delinquency that should be XXXX days or charged off ; and XXXX XXXX ( Account Number : XXXX, Page XXXX ), fraudulently reported as charged off with a {$29.00} past-due balance, despite a payment made on XX/XX/XXXX, contradicting the charge-off status. Additionally, XXXX XXXX ( Account Number : XXXX, Page XXXX ) is inaccurately reported as " Paid or paying as agreed '' while showing an impossible 111 % credit usage ( {$2200.00} balance against a {$2000.00} limit ), a clear reporting error. These violations breach the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ) for accuracy and 1681i for investigation ) and XXXX XXXX standards ( XXXX XXXX XXXX Format, XXXX ), including : missing payment history for XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), inconsistent delinquency status for XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ), contradictory charge-off status for XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXXXXXX, byte XXXX ), missing date of first delinquency for both accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and unverifiable credit usage for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnions systemic noncompliance is well-documented, including a {$5.00} million CFPB fine in XX/XX/XXXX for failing to correct inaccuracies and delaying dispute responses ( CFPB Consent Order XXXX ), and their continued failure to ensure accuracy has caused XXXX XXXX significant emotional distress, financial harm, and lost opportunities.

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 2025-03-27 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: FL

Complaint narrative:
This is not the first time Ive disputed this unauthorized account, yet it continues to appear on my credit report. I have never opened or authorized this account, and my repeated attempts to have it removed have been ignored or mishandled. This account is causing serious harm to my financial and personal well-beingsuch as denial of credit, increased interest rates, and loss of housing opportunities. Under the Fair Credit Reporting Act, 15 U.S.C. 1681b, consumer reports may only be furnished with a valid permissible purpose, which was never obtained in this case. Additionally, 15 U.S.C.1681e ( b ) requires consumer reporting agencies to follow procedures that ensure maximum possible accuracythis account clearly violates that obligation. Continued reporting after multiple disputes demonstrates willful noncompliance with the FCRA, for which your agency may be held liable under 15 U.S.C. 1681XXXX to {$1000.00} per violation. I am demanding immediate removal of this unauthorized account and written confirmation that my credit file has been updated accordingly. Failure to act will result in escalation through legal or regulatory action.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding my experience with Barclays Priceline Credit Card, specifically concerning their handling of overdue payment notifications and its impact on my credit report. 

On XX/XX/year>, I discovered that Barclays Priceline Credit Card failed to notify me of an overdue payment, which subsequently tarnished my credit reputation. Despite being a responsible consumer, I was blindsided by this derogatory mark on my credit report due to their failure to communicate effectively. 

Moreover, the usability of Barclays Priceline Credit Card 's website has been abysmal, making it extremely challenging to manage my account and payments. This unfriendly interface compounded my difficulties in staying current with payments, despite my efforts to do so. 

I request that Barclays Priceline Credit Card rectify this situation by contacting the credit bureaus to remove any negative notifications caused by their oversight and subpar customer service. It is unfair that my creditworthiness has been compromised due to their shortcomings in notification and website usability. 

Enclosed are copies of relevant documents, including my credit report showing the negative impact and any correspondence with Barclays Priceline Credit Card regarding this matter. 

I trust that the Consumer Financial Protection Bureau will investigate this issue thoroughly and ensure that appropriate measures are taken to resolve it. Please keep me informed of any actions taken in response to this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: NC

Complaint narrative:
Lockhart Morris & Montgomery, illegal contract by XXXX XXXX not signed by the President or myself

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-27 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: ND

Complaint narrative:
Let me tell you what Cash App keeps doing to me. OK Ive gotten XXXX different inquiries with questioning from supposedly the same lady XXXX about my XXXX complaint and then after I answer all those which Ive already answered all these in the past, they can go back and check the complaint and my support documents that Ive done this already been doing this for XXXX years after I answer all this again upload my ID to the portal all that I get another email from a different person XXXX all the way back at the beginning again like seriously this is driving me crazy Ive been trying for XXXX years to get my money back and this customer service has gotten everything so screwed up and if you look at the screenshot from todays emails that Ive attached XXXX is handling both the XXXX complete and the CFPB complaint and then now XXXX XXXX XXXX to the CFPB complaint like what you guys dont communicate it doesnt its not filed. You need to be reminded every single time. My patients are wearing very thin.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA incorrectly reported a late payment to the credit bureau for myself and my wife on XX/XX/year>. 

They said it was an error but have not updated with the credit bureaus and it still reflects that I missed a payment.

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 2025-03-27 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: OR

Complaint narrative:
I have been trying since XX/XX/XXXX to lift ( Experian calls the action " XXXX '' ) my credit freeze. I tried daily online to thaw the freeze and all I receive is error notices [ refer to attached documents ]. I call every few days and go through the process of having the virtual assistant lift the freeze. The assistant gets the same error messages I receive. It refuses to transfer me to an agent/live person. She directs me to use the " XXXX '' button on the Security Freeze page. It does not work. She directs me to write a letter following the procedure online, which I did on XX/XX/XXXX. I overnighted the letter and the XXXX noted that it was delivered XX/XX/XXXX. The only response [ attached ] was a " Thank you for contacting Customer Support... we have updated your name ... Any questions? Go to the Help page. '' The " Help '' page takes me back to the " schedule a thaw : '' and instructions for submitting the letter & proof of identity by mail. I have used XXXX different computers and XXXX different phones. I have found XXXX different phone numbers, they all use the same virtual assistant. In the meantime, my loan application for a Home Equity Loan is pending. 
I was able to lift the freezes on my accounts at XXXX and XXXX, and at all XXXX  credit bureaus for my husband 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 2025-03-27 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX My personal and financial information was compromised without my authorization. 
The Family Education Rights Privacy Act ( FERPA ) protects the confidentiality of student records. 
This breach is a clear violation of the FERPA, and your responsibility to safeguard my information. 
Given the severity of this breach and resulting in the compromised to my personal and financial information. 
I request that you immediately cancel and discharge my student loan debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I surrender a car in XXXX due being laid off from Covid now Im being garnished and the totally is falsely inflated and its been closed and takes off my credit report but they still garnishing me through a debt collector

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