vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
There is a student loan account reporting on my credit file that I did not open or apply for, or authorize anyone else to open or apply for using my personal information. This student loan originated from XXXX XXXX. I have disputed this fraudulent account several times ( the last time was on XX/XX/2024 ) directly with the student loan company and with the credit bureaus and asked them to block the fraudulent account from being re-reported on my credit file since I am a victim of identity theft, however this account was reinstated by Transunion after being removed and despite my request for it to be blocked. I want to make it unequivocally clear that I did not apply for, authorize, co-sign, or in any way initiate a loan application with XXXX XXXX at any time. I have never applied for a student loan with XXXX XXXX, nor have I given consent for any individual to use my personal identifying information to apply for, endorse, or co-sign such a loan on my behalf. The appearance of this account on my credit report is the result of identity theft. I believe that my personal information may have been compromised due to my rental living situation. I rent rooms within my residence to temporary tenants, and despite taking reasonable precautions, this living arrangement has unfortunately made me vulnerable to the unauthorized use of my personal information. It is possible that someone with temporary access to my home used that access to obtain or misuse my personal identifying information without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to dispute inaccurate or fraudulent information in my credit report, and credit reporting agencies are required to investigate and correct such information promptly. Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTA ), an amendment to the FCRA, victims of identity theft are entitled to place fraud alerts, request the removal of fraudulent accounts, and block the reporting of information that resulted from identity theft. Additionally, state consumer protection laws, including identity theft statutes ( depending on my state of residence ), further protect individuals in situations like mine and often provide for the removal of fraudulent information from consumer credit files and allow for restitution. This fraudulent information is preventing me from conducting very important personal business matters which require accurately reported credit files.

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 2025-04-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a student loan account reporting on my credit file that I did not open or apply for, or authorize anyone else to open or apply for using my personal information. This student loan originated from XXXX XXXX. I have disputed this fraudulent account several times ( the last time was on XX/XX/year> ) directly with the student loan company and with the credit bureaus and asked them to block the fraudulent account from being re-reported on my credit file since I am a victim of identity theft, however this account was reinstated by Transunion after being removed and despite my request for it to be blocked. I want to make it unequivocally clear that I did not apply for, authorize, co-sign, or in any way initiate a loan application with XXXX XXXX at any time. I have never applied for a student loan with XXXX XXXX, nor have I given consent for any individual to use my personal identifying information to apply for, endorse, or co-sign such a loan on my behalf. The appearance of this account on my credit report is the result of identity theft. I believe that my personal information may have been compromised due to my rental living situation. I rent rooms within my residence to temporary tenants, and despite taking reasonable precautions, this living arrangement has unfortunately made me vulnerable to the unauthorized use of my personal information. It is possible that someone with temporary access to my home used that access to obtain or misuse my personal identifying information without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to dispute inaccurate or fraudulent information in my credit report, and credit reporting agencies are required to investigate and correct such information promptly. Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTA ), an amendment to the FCRA, victims of identity theft are entitled to place fraud alerts, request the removal of fraudulent accounts, and block the reporting of information that resulted from identity theft. Additionally, state consumer protection laws, including identity theft statutes ( depending on my state of residence ), further protect individuals in situations like mine and often provide for the removal of fraudulent information from consumer credit files and allow for restitution. This fraudulent information is preventing me from conducting very important personal business matters which require accurately reported credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request the removal of a charge-off from my credit report related to account name XXXX XXXX XXXX and Account number XXXX. This request is made pursuant to XXXX XXXX XXXX  XXXX ( Right of Rescission ), XXXX XXXXXXXX XXXX XXXXXXXX ( Fair Debt Collection Practices Act ), as well as my rights under the Fair Credit Reporting Act ( FCRA, XXXX XXXX XXXX  XXXX ) and the Fair Debt Collection Practices Act ( FDCPA, XXXX XXXXXXXX XXXX XXXXXXXX ). Upon reviewing my credit report, I have noticed that your institution has reported a charge-off. Under federal law, I am exercising my right to dispute this negative item and request the following : Verification of the Charge-Off Status Provide detailed documentation proving that this debt was lawfully charged off and that all procedures adhered to the applicable laws. Proof of Ownership and Authority to Report Please provide the original creditor agreement and any documentation showing that your institution has the continued legal authority to report this debt to the credit bureaus. Right to Rescind If this debt qualifies under XXXX XXXX XXXX XXXX, I am requesting to exercise my right of rescission and have this charge-off removed from my records. Correction of Inaccurate or Unverifiable Information If you are unable to validate the charge-off in compliance with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the FDCPA, then I request the immediate deletion of this charge-off from all three major credit bureaus ( Experian, Equifax, and TransUnion ). Under the Fair Credit Reporting Act ( FCRA, XXXX XXXXXXXX XXXX XXXXXXXX ), if the information can not be verified, it must be deleted from my credit report. If you are unable to provide the necessary documentation within XXXX days, I will consider this charge-off inaccurate, misleading, and unverifiable, and I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. Please confirm in writing that you will comply with this request and notify the credit bureaus to remove this charge-off. I expect a response within XXXX days from the date of this letter in accordance with the FCRA and FDCPA.

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 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2025-04-19 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: FL

Complaint narrative:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND I NOTICED SEVERAL INACCURACIES ON MY ACCOUNT, THIS ACCOUNTS ARE HURTING MY ABILYTY TO OBTAIN CREDIT, IT'S MY UNDERSTANDING THAT YOU WILL INVESTIGATE THIS ACCOUNTS FOR ME TO ENSURE ACCURACY. HERE ARE THE ACCOUNTS I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX ACCOUNT XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND I NOTICED SEVERAL INACCURACIES ON MY ACCOUNT, THIS ACCOUNTS ARE HURTING MY ABILYTY TO OBTAIN CREDIT, IT'S MY UNDERSTANDING THAT YOU WILL INVESTIGATE THIS ACCOUNTS FOR ME TO ENSURE ACCURACY. HERE ARE THE ACCOUNTS I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX ACCOUNT 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 2025-04-19 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Did not receive all the information from the 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 non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
In XX/XX/year>, a loan was signed through Mosaic to finance a solar energy system, window replacements, and roofing work. Since installation, the system has never functioned as promised. 

The solar panels produce no energy. The windows are defective and dangerousthey do not close properly and fall if opened. They have been " repaired '' XXXX times without success. The roof installation has serious structural issues, including a critical beam at risk of collapse. Excess materials were left abandoned on the property and never removed. This is not only a breach of contract, but also a serious safety hazard. 

I have contacted both Mosaic and their contractor, FL XXXX, numerous times and even submitted a formal dispute letter, yet I have received no meaningful response or resolution. 

I have had to temporarily withhold payments as a lawful measure while continuing to pay full XXXX electric bills and now facing urgent repair costs out-of-pocket. The situation is unbearable, financially and emotionally. 

The damages are ongoing. The risk to my safety is increasing. I am being ignored, despite doing everything in good faith. I can no longer continue under this burden. I need an immediate response and resolution before this leads to further damage or risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to formally dispute Citi Banks repeated and unwarranted reductions to my credit limit, which have caused severe harm to my creditworthiness. Below is a summary of the issue : XXXX. * * Background * * : - - I have XXXX credit cards with Citi Bank with great history, Citi Bank began reducing my credit limit * * every time I made a payment * * on my account, despite consistent on-time payments. For example : - On XXXX ], I paid {$500.00} ]. My limit was reduced from {$7000.00} to {$5000.00} - Next time I paid {$300.00} ]. My limit was reduced again to {$3700.00} - These actions have forced my credit utilization ratio to 100 %, severely damaging my credit score- And I have XXXX other Banks credit card, they all see thats only Citi Bank have 100 % usage and its hurting my credit score with all my other banks.

2. * * Unfair Practices * * : - Citi Bank has not provided a valid explanation for the reductions, which appear retaliatory or discriminatory. 
- Lowering my limit immediately after payments contradicts responsible credit behavior and violates the spirit of fair lending practices under the * * Fair Credit Reporting Act ( FCRA ) * * and * * Consumer Financial Protection Act * *. 
- The 100 % utilization caused by these reductions has directly harmed my credit score, impacting my ability to secure loans, housing, or other financial services. 

XXXX. * * Attempts to Resolve * * : - In XXXX and in XXXX I contacted Citi Banks customer service and credit department multiple times. Representatives refused to reverse the decreases or explain the reasoning. 


4. * * Requested Resolution * * : - Restore my original credit limit ( s ) and halt further unwarranted decreases. 

- Provide a written explanation for the reductions and assurance of compliance with fair lending laws.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: MA

Complaint narrative:
Subject : FCRA Complaint Delay in Criminal Background Check Process by Checkr ( XXXX XXXX  ) To Whom It May Concern, I am filing a formal complaint regarding a significant delay in thecriminal background checkprocess conducted byCheckr, a consumer reporting agency, as part of my application to continue working as anUberdriver after relocating. The background check has been pending forover a month, despite the fact that two other background checks requested at the same time have been completed and approved.

Background and Timeline : 1. I have been anUber driver for 8 yearswith a clean record, and I have been approved for several different XXXX accounts during this time without issue. 

XXXX. Upon relocating XXXX, XXXX, a new background check was initiated withCheckrto complete the criminal portion of my report. 

XXXX. While the background checks for mydriving recordandother recordswere approved without delay, thecriminal background checkhas remained pending for over a month, preventing me from continuing my work as an XXXX XXXX. 

Attempts to Resolve the Issue : Since the background check was initiated, I have made several attempts to contact bothUberandCheckrfor updates. I have requested : 1. Astatus updateon the pending criminal portion of the background check. 

2. Clarification on thereason for the delay, given that other parts of the background check were completed on time.

3. Anestimated timelinefor when I can expect the criminal background check to be processed.

However, I have received no substantive response or resolution, and the delay continues to prevent me from working and earning as an XXXX XXXX. 

Impact and Request for XXXX : This delay is causingsignificant financial hardship, as I am unable to work while the background check remains incomplete. I am requesting immediate action to resolve the issue and expedite the completion of my criminal background check. 

I believe the delay is an unreasonable violation of my rights under theFair Credit Reporting Act ( FCRA ) and am seeking prompt communication and resolution to restore my ability to work.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: NY

Complaint narrative:
Unifin has sent two text messages about an unknown debt. I am not behind or in collection on any debts owed. I have had my identity stolen before. I do not owe anything and I want them to stop harassing me. 

This is Unifin, a debt collector. Contact us about ref XXXX XXXX XXXX XXXX or XXXX ChargesMayApply Reply STOP to stop texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this formal complaint against Equifax for their ongoing failure to conduct a complete, lawful, and transparent investigation into several disputed accounts on my credit report. I have submitted multiple disputes regarding these accounts, including sending certified letters requesting documentation and a thorough reinvestigation. Despite this, Equifax has not taken appropriate action, has not provided documentation, and continues to report inaccurate and unverifiable information in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Disputed Accounts & Concerns : XXXX. XXXX XXXX ( XXXX Separate Accounts ) I never authorized or gave permission for XXXX XXXX to use or retain my personal information. 
XXXX XXXX continues to access my credit file without my consent, which I consider a violation of my privacy. 
These accounts are not reported with XXXX, yet Equifax continues to report them without providing any legal documentation or signed agreement verifying the accounts. 
I have received no contractual evidence to justify these entries, despite multiple written requests. 

XXXX. XXXX XXXX is reporting as my mortgage servicer, but I have verified through the XXXX XXXX XXXX XXXX XXXX that they are not listed as the mortgage holder. 
They have failed to provide proof of ownership, proof of transfer, or any original loan agreement. 
XXXX is reporting : Incorrect balances Incorrect monthly payments Conflicting transfer dates ( claiming transfer in XX/XX/year>, but reporting began in XX/XX/year> ) No proof of escrow disbursement The homeownership title with XXXX XXXX was not under XXXX name, further proving the lack of verification. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX Account ) I have never signed a contract with XXXX  XXXX  XXXX XXXX XXXX for any service. 
I have requested proof of debt ownership, including a contract or legally binding agreement. XXXX has failed to provide any documentation. 
This account is not listed with XXXX, yet Equifax continues to report this unverified collection. 

Additional Details : All the above accounts are not being reported by XXXX, further indicating inconsistencies and a failure by Equifax to maintain accurate reporting. 
Despite my repeated disputes, Equifax continues to allow these accounts to remain, damaging my credit score and credibility. 
Equifaxs actions ( or lack thereof ) are not only negligent, but violate FCRA protections, including the requirement to delete unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: MS

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

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 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: John C. Heath, Attorney at Law, PLLC
State: MN

Complaint narrative:
The first time was around XXXX XXXX $ for XXXX  months and XXXX XXXX then XXXX   years later XXXX $ for XXXX  months and

Company response to consumer: Closed with explanation