vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX $XXXX XXXX $XXXX XXXX XXXX $XXXX XXXX XXXX $XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXInquires 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 XXXXNone of these companies have attempted to properly investigate my credit report in the derogatory remarks thats on it or the inquiries. Im aware of the experience has been sued due to not properly doing investigations, as asked by the consumer. I would like you guys to parent this investigation.'

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 2025-07-16 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: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX $XXXX XXXX $XXXX XXXX XXXX $XXXX XXXX XXXX $XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXInquires 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 XXXXNone of these companies have attempted to properly investigate my credit report in the derogatory remarks thats on it or the inquiries. Im aware of the experience has been sued due to not properly doing investigations, as asked by the consumer. I would like you guys to parent this investigation.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I, XXXX XXXX, affirm under penalty of perjury that the account ( s ) listed in my attached dispute letter were opened as a result of identity theft. I did not open, authorize, or benefit from any of these accounts. Therefore, I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ( a ) ].

I was a confirmed victim of the 2017 Equifax Data Breach, in which the sensitive personal information of approximately 147 million Americans including mine was compromised. This breach exposed my full name, Social Security number, birth date, and other critical identifiers. I believe my stolen information was used to fraudulently open these accounts without my consent. 

In support of this complaint, I have attached the following documentation : A copy of my FTC Identity Theft Report A copy of my government-issued photo ID Proof of address Breach verification confirming I was affected by the Equifax breach Individual dispute letters for Equifax listing the fraudulent accounts Despite my good-faith efforts to resolve this directly with the credit reporting agencies, I have faced delays and unresponsiveness. I am now seeking the CFPBs assistance in enforcing my rights under federal law and ensuring the fraudulent information is blocked within the 4-day requirement outlined in FCRA 605B. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
Immediately delete the repossession entry reported by XXXX XXXXXXXX XXXX ( Account Number : XXXX ) from my credit file. 

Require the creditor to submit full documentation to support the accuracy and legality of the repossession, including : Notice of default and right to cure, Proof of repossession and sale, Breakdown of any claimed deficiency balance.

If the creditor can not provide full documentation, TransUnion is required by FCRA 1681i ( a ) to remove the account entirely.

Provide me with written confirmation of the deletion and an updated credit report within 15 business days.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute several inaccurate and harmful items reported on my Experian credit report, which continue to appear despite multiple attempts to address them. These unresolved issues reflect many of the same illegal practices outlined in the XXXX XX/XX/year> lawsuit against Experian, including : - Inadequate and misleading dispute investigations- Reinsertion of previously resolved or inaccurate items - Improper status designations without evidence or verification Specifically, I am requesting immediate correction or removal of the following items : XXXXXXXX XXXX XXXXXXXX Account # : XXXX - Status : Charged off, with {$280.00} past due as of XX/XX/year> - Issue : I was not given appropriate notice or proper documentation validating this charge-off. The item was never fully investigated despite my prior disputes. 

XXXX. XXXX XXXX Account # : XXXX - Status : Charged off, {$400.00} written off - Issue : Payment activity on this account shows history of deferred payments and a confusing payment timeline. The amount and charge-off status appear inconsistent and unsupported by valid documentation. 

XXXX. XXXX XXXX XXXX Multiple Accounts - Status : Past due 90 days ( XX/XX/year> ), balances ranging from {$2300.00} to {$53000.00} - Issue : Many of these accounts show " no data '' for large spans of time, followed by sudden 90-day delinquency marks. No accurate payment history is provided, and I was not properly informed of these delinquency designations.

I request the following under the Fair Credit Reporting Act ( FCRA ) : 1. A reinvestigation of each account listed above.

2. Verification documents from each creditor validating the reporting status.

3. Immediate correction or permanent removal of any unverifiable or inaccurate information.

4. A copy of my updated credit report showing these corrections.

If these matters are not resolved within 30 days as required by law, I will file formal complaints with the Consumer Financial Protection Bureau, the Texas Attorney General, and consider seeking legal relief. These accounts are damaging my creditworthiness and do not meet the standards for fair and accurate reporting. 

Attached you will find copies of my report with these accounts highlighted, along with supporting documentation. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: ZOOM HOME LENDING LLC
State: WA

Complaint narrative:
Dear CFPB Complaints Team, I am submitting the attached complaint against mortgage loan XXXX XXXX XXXX ( NMLS # XXXX ) for misrepresenting the terms and timeline of XXXX XXXX XXXXXXXX refinance, which caused my family significant financial harm. 

I have a detailed letter outlining the misconduct and its consequences, including documentation showing the misadvice to skip mortgage payments, which resulted in delinquency and a damaged credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I hope this letter finds you well. I am writing to address a late payment reported on my credit profile, which I believe to be a mistake. I have verified my records and found that the payment was made within the appropriate timeframe.

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 2025-07-16 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX/XXXX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX, Experian 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 explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
A collection account has been reported on my credit profile without my consent, authorization, or involvement. This reporting is a violation of my rights as a consumer and may reflect a breach of data security or internal error.

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 2025-07-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to request that you remove XXXX XXXX information from my consumer report in accor-dance with Section 1681b of the Fair Credit Reporting Act.

Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency; and ( 2 ) antedates the report by 7 years or less. 
I understand that XXXX XXXX information has been included in my consumer report, and I believe this information is in violation of the Fair Credit Reporting Act. I have not failed to pay XXXX XXXX, and this information is inaccurate and misleading. Therefore, I demand that you remove any and all XXXX XXXX  information from my consumer report immediately. 
If this information is not removed promptly, I will take necessary legal action to ensure that my rights under the Fair Credit Reporting Act are protected. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
In reviewing my credit reports, I discovered two accounts that were fraudulently opened in my name : 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 reporting 120 days late. These are the result of identity theft. I submitted an FTC Identity Theft Report ( Report # XXXX ) and mailed dispute letters to all three credit bureaus ( XXXX, TransUnion, and XXXX  ) along with copies of supporting documents ( government-issued ID, social security card, address verification, and breach notification ). Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within 4 days under the Fair Credit Reporting Act and have not received a resolution. I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the theft.

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 2025-07-16 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: TX

Complaint narrative:
I recently noticed a reported late payment associated with my account that does not reflect the facts of my payment history. I have always maintained my accounts in good standing and made timely payments.

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 2025-07-16 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:
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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
According to law 15 USC 1681 a4 I have a right to privacy. I contacted the bankruptcy court in Michigan and a letter was sent back stating they not provide bankruptcy information to Experian, Equifax, and Transunion. I then contacted XXXX XXXX that also said they do not provide bankruptcy information to Experian, Equifax, and Transunion, which means Experian, Equifax, and Transunion went looking for this information and this is a violation the FCRA to seek information about consumers to negatively impact the consumer. I put in disputes with all three credit reporting agencies and three refused to remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
According to law 15 USC 1681 a4 I have a right to privacy. I contacted the bankruptcy court in Michigan and a letter was sent back stating they not provide bankruptcy information to Experian, Equifax, and Transunion. I then contacted XXXX XXXX that also said they do not provide bankruptcy information to Experian, Equifax, and Transunion, which means Experian, Equifax, and Transunion went looking for this information and this is a violation the FCRA to seek information about consumers to negatively impact the consumer. I put in disputes with all three credit reporting agencies and three refused to remove from 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OK

Complaint narrative:
My cash app account was credited XXXX dollars, i bought bitcoin XXXX ended up asked for XXXX  and the account i tried to send to wouldnt allow it due to fraud suspected .So I changed my mind about bitcoin and downloaded XXXX. i then got on my cash app to check balance and am shown a screen saying my account is closed .I can not reach anyone to find out the info on what caused this and was just shut out of an app and digital wallet which i have given people and customers which pay me by this and now i must find a way to prevent these transactions and redirect them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nEquifax Information Services, LLC\nXXXX XXXX XXXX XXXX XXXXn\n\nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1XXXX 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 XXXXn\nI request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity\n\nAnthony Simmons'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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