vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: NY

Complaint narrative:
Due to the XXXX XXXX XXXX XXXX in XX/XX/year>, which exposed sensitive personal information, including Social Security numbers, I have reason to believe these derogatory accounts may result from compromised data. This breach has significantly increased identity theft and fraudulent activity, raising serious concerns about the integrity of the reported information.

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 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to formally dispute an erroneous entry on my credit report that was made by the XXXX without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported to credit reporting agencies is accurate, complete, and verifiable. Since I did not authorize this reporting nor was I notified in accordance with the FCRA, I request that all negative items be removed from my credit report immediately.

Please provide documentation supporting the basis for this reporting, including any consent I may have provided to allow this entry. If no such documentation exists, I request that you remove this negative information from my credit report. I would like my signature mailed to me from the exact company not a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Finacial Pratection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigationstions and other unlawful pratices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that may be mishandled in a simal manner.

Please review the inaccurate information being report : 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

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Despite the Consumer Financial Protection Bureau ( CFPB ) recently finalizing the rule to remove medical bills from credit reports, Experian still did not delete XXXX XXXX after the account was disputed. The CFPB states in the lawsuit filed against Experian that Experian does not take sufficient steps to intake, process and investigate disputes. Experian routinely and uncritically accepts the original furnishers response to the disputed information. I never had a contract with XXXX XXXX yet Experian continues to wrongfully keep the XXXX XXXX account on my credit report. The said account should immediately and permanently be deleted.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Fair Resolution : 1. Immediate Correction of Reported Information : The account with XXXX XXXX ( Account Number : XXXX ) should be updated to accurately reflect the correct balance and status. It is listed as paid off with a balance of {$0.00}, but if there are any inaccuracies regarding the account history or balance, they should be corrected. 
2. Verification of Account Closure : The status of the account indicates it was closed in XX/XX/year>. If this information is accurate, it should be confirmed by both XXXX XXXX and TransUnion. If there are any discrepancies regarding the closure date or account status, these should be corrected. 
3. Removal of Incorrect Marks ( if applicable ) : If any inaccuracies or unverified information regarding the payment history or account status exist, I request that any negative or incorrect marks be removed from my TransUnion Credit Report to ensure it accurately reflects the paid status of the account. 
4. Provide Updated Credit Report : After corrections have been made, I request that TransUnion provide me with an updated credit report showing the correct information for this account, reflecting that it was closed and paid off as agreed.

5. Written Confirmation : I request written confirmation from XXXX XXXX and TransUnion once the corrections have been made, stating that the account information has been verified and updated to reflect the accurate status. 
6. Compensation for Harm ( if applicable ) : If this reporting error has caused any negative impact on my credit score or denied credit, I request compensation for the damages resulting from this inaccurate reporting.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-03-16 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
This bank is horrible when it comes to disputing fraudulent charges it's basically impossible. No matter what you do they almost deny your claims every time no matter what proof or explanation you provide. The customer service employees are like robots and you can never speak to come that actually does anything. They will just say were sorry that you are unhappy and we value your opinion and we'll take note of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Frost-Arnett Company
State: IN

Complaint narrative:
I've disputed this account through the credit reporting agencies several times and it is still showing on my report after all this time. Now I am requesting that this item be removed from my credit report immediately because this is also a violation of my privacy rights and unconsented sharing of my personal information. I'm also pursuing financial compensation of {$5000.00} because of the many FCRA violations and the years I have been attempting to get this item removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Upstart Holdings, Inc.
State: WA

Complaint narrative:
On Tuesday, XX/XX/XXXX, I sent a certified letter to Upstart requesting for a 1099-C for the account as they are reporting this as write off and charge off on all three credit reporting agency reports. 
I received an email reply on XX/XX/XXXX telling me to contact another party. 
I replied that I was asking for a 1099-C but received the same reply. 

The third party that they are telling me to contact is not even on my credit report. It is my understanding that they do not have the authority to dump an account that they have written off or charged off as a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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 fling 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 2025-03-16 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Dates:XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit limit : {$100.00} Closed : {$340.00} Write off Original Creditor : Comenity Capital/XXXX  I asked for proof of debt, payment records, a copy of charge card agreement and my signature. Within thirty days or please delete this account off my credit report as soon as possible and no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Two fraudulent charges were made by the same XXXX  merchant on XX/XX/year>, each for {$86.00}. Citi acknowledged that they were fraudulent, and immediately issued me two credits for these amounts. Citi also cancelled my account and issued me a new account with a new card number. Yet, now it reversed one of the credits, claiming that I received two credits on only one transaction. The XXXX  at Citi were incapable of realizing that there were TWO fraudulent charges. Like the fed employees fired by XXXX. the XXXX XXXX XXXX at Citi are getting paid for making errors.

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 monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Re : Letter to Remove Inaccurate personal Information 's To Whom It May Concern : This is the XXXX time I sent you this letter to correct my personal info 's to my credit report to see that the updates haven't took place. 

XXXXall these personal information are ABSOLUTELY incorrect. You are reporting XXXX that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. 

XXXXPlease delete the following inaccurate information from my credit file within the next XXXX days. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete the investigation within 30 days of receipt of this letter. 

XXXX If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 



PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, MI XXXX PLEASE UPDATE MY NAME TO : XXXX XXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRCT DATE OF XXXX Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Re : Letter to Remove Inaccurate personal Information 's To Whom It May Concern : This is the XXXX time I sent you this letter to correct my personal info 's to my credit report to see that the updates haven't took place. 

XXXXall these personal information are ABSOLUTELY incorrect. You are reporting XXXX that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. 

XXXXPlease delete the following inaccurate information from my credit file within the next XXXX days. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete the investigation within 30 days of receipt of this letter. 

XXXX If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 



PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, MI XXXX PLEASE UPDATE MY NAME TO : XXXX XXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRCT DATE OF XXXX Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in 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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
According to the qualifying loan payments letter received from MOHELA in XXXX of XXXX, I made 13 payments more than the 120 payments required for loan forgiveness and am due a refund of the overpayment in the form of an account credit. I have not received the refund nor has the overpayment been applied to my outstanding loan balances. MOHELA has the effective discharge date recorded incorrectly in their system, refuses to correct it, and refuses to issue the refund I am due by law based on their data entry error. On XXXX a MOHELA representative told me the effective discharge date was XXXX which aligns with the Department of Educations qualifying payment counts and the letter I received from MOHELA. MOHELA has failed to provide a refund of overpayments made on forgiven student loans and has not reapplied any payments to my outstanding loans which has led to me accruing additional interest that would not have been accrued had they acted as required. I have been trying to get a resolution since XXXX of XXXX ; however, after calling multiple times ( and being placed on hold for almost 8 hours ), sending multiple messages, and filing multiple complaints, the problem still has not been remedied. The information provided by MOHELA representatives continues to be inaccurate and varies depending on the representative spoken to. My account was switched to MOHELA 's new platform in XX/XX/XXXX, and transactions that occurred prior to this are no longer available, so in XX/XX/XXXX, I requested an account of all transactions since my loans were transferred to MOHELA in XX/XX/XXXX. To date, the requested information has not been provided, and a refund has not been received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Just incorrect information and not changed on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Just incorrect information and not changed on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Central Holdings, LLC
State: TX

Complaint narrative:
Credit Central said i owe a debt i ask for a debt validation and did not recieve

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debt validation requested and have not received it.

Company response to consumer: Closed with explanation