vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient continued to push forbearance for my student loans with both XXXX XXXX XXXX XXXX and XXXX XXXX University. Navient never disclosed the best options for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a partial payment for materials and labor for basement fire proof work for my building located in XXXX XXXX. I live in XXXX  and the job was supposed to be done in XXXX XXXX. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. I put my savings to fix this property due to building code violations and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with US bank in the amount of {$3000.00}. The bank never investigate my dispute and rejected it after a few 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 2025-02-19 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: GA

Complaint narrative:
I made several attempt to make my XX/XX/XXXX Mortgage payment, and the payment portal was down for maintenance from XXXX XX/XX/XXXX till XXXX XX/XX/XXXX, thereby making impossible to make my monthly payment before the end of my grace period. 
Payment was made on the XXXX of XX/XX/XXXX when the portal became active.

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 2025-02-19 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: GA

Complaint narrative:
I made several attempt to make my XX/XX/XXXX Mortgage payment, and the payment portal was down for maintenance from XXXX XX/XX/XXXX till XXXX XX/XX/XXXX, thereby making impossible to make my monthly payment before the end of my grace period. 
Payment was made on the XXXX of XX/XX/XXXX when the portal became active.

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 2025-02-19 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: SC

Complaint narrative:
To whom it XXXX concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to XXXX XXXX XXXX ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct 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 Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX SC XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$450.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$15000.00} 3. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$15000.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$22000.00} 5. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$1400.00} 6. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$3000.00} 7. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$11000.00} 8. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$11000.00} 9. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$18000.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XX/XX/XXXX Amount Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 5.Account name : XXXX Amount Opened : XX/XX/XXXX 6.Account name : XXXX Amount Opened:XXXX 7.Account name : XX/XX/XXXX Amount Opened : XX/XX/XXXX 8.Account name : XX/XX/XXXX Amount Opened : XX/XX/XXXX 9.Account name :XX/XX/XXXXAmount Opened : XX/XX/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 2025-02-19 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: NY

Complaint narrative:
I urge the immediate deletion of fraudulent information from my credit file. This erroneous data, resulting from fraud, should have been removed already but remains unjustly listed. Under FCRA Section 605, you are obligated to correct and eliminate any inaccurate records. I have previously provided the required supporting documents and am resubmitting them for your review. My attorney has been informed and is prepared to take legal action if this issue is not promptly addressed. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX/XXXX/2025 XXXX XXXX/XXXX/2025

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 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( Columbia Collections ) for their harassing, aggressive, and unethical debt collection practices. 
XXXX first contacted me on XX/XX/year>2025, through an aggressive phone call without any prior written notice about the debt. 
During the call, their representatives chastised me over the alleged condition of the apartment, despite my having photo evidence proving it was left in good condition. 
They had already reported the debt to credit agencies, which negatively impacted both my credit score and my partners. 
They refused to provide documentation of the debt multiple times, even when explicitly requested. 
They refused to negotiate any settlement or payment plan, leaving me with no recourse. 
They continued to harass me even after the debt was paid. 
Their actions caused significant emotional distress, financial hardship, and damage to my personal relationships. 

XXXXXX/XX/XXXX XXXX behavior is unacceptable and potentially unlawful under the Fair Debt Collection Practices Act ( FDCPA ). I request that the Consumer Financial Protection Bureau investigate their conduct, require them to justify their actions, and ensure that other consumers are not subjected to the same harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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 non-monetary relief
Consumer complaint received 2025-02-19 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: NV

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name :XX/XX/XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XXXX I used my login information to unfreeze my transunion credit. It did not accept my email or password. I attempted to do a reset by putting my SS #, birthday, last name XXXX, and I did it several times, I was provided a message that no account existed. When I applied for a " new '' account, I was told I had an existing account and to do a password reset. I did this for several days, and today, I waited over an hour to speak with a transunion rep. He had no idea how to help and said no one at transunion could do a password reset. 

I still can not access my transunion freeze/unfreeze account.

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 2025-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IN

Complaint narrative:
Cash app has violated my privacy by allowing data breaches and mishandling my complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

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 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 2025-02-19 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:
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 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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: OK

Complaint narrative:
I explain to XXXX XXXX  and XXXX XXXX I did not open this account my sister did this I am not legally responsible I sent a police report ftf report and I explain everything I was lock up she stole all my information from my mother home where she was stay at the time she open up bank account loans credit cards use fake email got phone that XXXX is not my number she use bank account to make payment I amusing so nobody could find out I only found out when I tried to get a place they told me my credit was bad I had sooo much stuff on it due to her I reached out to every single company she did fraud with yall the only ones giving me trouble its not my debt please disregard sending me a debt that not mine or I will get a lawyer this is inaccurate info this better not go on my credit either that false info

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: DE

Complaint narrative:
I have not permitted this inquiry. I did not engage with this lender on the given date.

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: RI

Complaint narrative:
Dear Halsted Financial Services, I am responding to your contact about a debt you are trying to collect. On XX/XX/year> you identified this alleged debt with the three ( 3 ) main Credit Bureaus. 

Please supply the information below so that I have all the information. 

The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt somebody else is, or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/scrub>/2023 Please remove it from my credit report. 

2. The inquiry was not authorizedXX/XX/XXXXDate of inquiry : XX/XX/year>2023 Please remove it from my credit report. 

3. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XX/XX/XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the creditor responsible for reporting them. If the creditor can not provide verification, I kindly ask that you delete the disputed information. As stated in 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this letter.

Please provide an updated copy of my credit report to the aforementioned address. According to the law, there should be no fee associated with this updated report. Additionally, I request that you notify any recipients of my credit report in the past six months about the corrections made.

Thank you for your attention and assistance in resolving 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 2025-02-19 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: NJ

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following account ( s ) that are currently listed on my credit report. Under the provisions of 15 U.S. Code 1681g, I request that you provide physical verification of the original signed consumer contracts for each of the following accounts : DEPT OF ED/XX/XX/XXXX Acct # XXXX DEPT OF ED/XX/XX/XXXX Acct # XXXXXX/XX/XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX Acct # XXXX As a consumer, I am entitled to full and accurate disclosure of the information in my credit report, including the method and sources of information. I am concerned that fraudulent accounts may have been reported under my name, and therefore, I am requesting that you verify the authenticity of the reported accounts by providing physical copies of the original signed consumer contracts.

Without physical verification of these contracts, anyone paying for your reporting services could easily fax, mail, or email fraudulent account information, which could then be mistakenly reported on consumers ' credit reports. This lack of verification can lead to significant harm and undue hardship for consumers who are victims of identity theft or other forms of fraud.

Please take this letter as a formal request for the following actions : 1. Investigate and verify each account listed above through the physical examination of the original signed contracts.

2. Provide me with copies of these original signed contracts as proof of the validity of these accounts.

3. Remove any and all accounts that can not be verified with the original signed contracts from my credit report immediately.

In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation and respond to my request within 30 days. Please confirm in writing that you have received this request and outline the steps you will take to address my concerns.

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of this issue.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is trying to sell products for security monitoring rather than providing customer service. 

I called to lift a freeze so that the bank can underwrite a home loan. Equifax won't let you do it online and force you to call a number. Then you push all the buttons and everything is wrong, so you have to talk to the agent. The agent makes you jump through a ton of hoops in the name of security ( to break you down and feel vulnerable ). Then finally when they lift the freeze, he told me that there is " good news ''. That they will be providing all of these wonderful credit monitoring features. After listing the features as if they are a free service, they he says that it is only {$19.00} a month. After I say I'm not interested, he does more sales pitch to point out the dangers of this and do more fear mongering. 

I just wanted to lift a freeze to apply for a mortgage and ended up getting a very hard sell on a security monitory product. 

This is a very predatory thing, and I imagine that many vulnerable people sign up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: DE

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into 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 2025-02-19 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: GA

Complaint narrative:
I have never really been too aware of my credit and now Im of the age where I am trying to purchase a home so I checked my credit report and plan on checking my credit report I found several fraudulent accounts, including XXXX alleged amount owed is {$960.00}, XXXX Alleged amount owed is {$84.00}, XXXX I actually contacted this company and they told me that I cosign for a car I have no ever ever in my life cosigned for anything in my life definitely fraudulent also including in the fraudulent accounts is XXXXXXXX amount 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