vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: NJ

Complaint narrative:
I am writing to formally request an urgent review and correction of my credit file with TransUnion LLC. 

I attempted to apply for a credit card with XXXX XXXX roughly 3 months ago but was notified that my application could not be processed due to an alert from TransUnion indicating either a deceased status or an inability to verify my identity. Upon further inquiry, I discovered that my credit file contains incorrect and outdated information, specifically regarding my Social Security Number ( SSN ).

Please note that my SSN was officially issued on XX/XX/year>, and should now be correctly reflected in your records. The SSN currently associated with my credit file is incorrect. The correct SSN ends in XXXX. 

To facilitate the correction, I mailed the following supporting documents to your office at XXXX. XXXX XXXX, XXXX, PA XXXX on XX/XX/year> : A copy of my newly issued SSN card My Real ID/Driver 's License Recent utility bills ( gas, water, and electricity ) as proof of residency According to UPS tracking XXXX the package was successfully delivered on XX/XX/year>. However, when I followed up with your customer service team nearly two weeks later, I was informed that no documents had been received, despite being told that mailed items are typically processed within five business days. This is extremely concerning and unacceptable given the sensitive nature of the documentation provided. 

I respectfully urge you to investigate this matter immediately, confirm the receipt of my documents, and update my credit file to reflect my correct identity and SSN. The current status is preventing me from accessing essential financial services and could have long-term negative effects on my creditworthiness. 

Please confirm receipt of this communication and provide a timeline for resolution. 

Sincerely, XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, NJ Email address : 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 2025-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I fathfully made monthly payment for my student loans as agreed but kept receiving notification of late payments. The notification I have received stated that repayments from XXXX, XXXX and XXXX were not made, and therfore were late. I am attaching records from my bank showing payments for XXXX, XXXX and XXXX were made before due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
TransUnion is currently reporting a charge-off from XXXX XXXX under account number ending in XXXX, with a reported balance of {$790.00}. This derogatory account is having a significantly negative impact on my credit profile, yet I have serious concerns regarding the accuracy and verification of this entry. The details surrounding this account have not been transparently or adequately validated. I have not received original documentation showing that this debt is legitimate, verified, and legally collectible, nor any indication that it has been properly investigated before being reported as a charge-off. 

In light of the widespread increase in data breaches and mishandled consumer information, it is more important than ever that credit bureaus like TransUnion conduct a thorough and lawful reinvestigation of disputed entries. Under 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable reinvestigation of any disputed item. If the item can not be verified with original documentation, it must be deleted. Continuing to report this item without conducting a thorough reinvestigation is a violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-05-23 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: DISCOVER BANK
State: NC

Complaint narrative:
am filing this complaint because a Discover credit card account ( ending in XXXX ) appears on my credit report, but I have written documentation from Discover stating that the account was closed because they were unable to verify my personal information. In a notice dated XX/XX/2023, Discover wrote : We have taken this action because we were unable to verify personal information on your account. We will report to the credit bureaus that the account was closed by creditor. This confirms that Discover could not verify the account as mine. Under the Fair Credit Reporting Act ( FCRA ) Section 611, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item of information that can not be verified must be deleted from a consumers credit file. I disputed the account with XXXX  and included this letter from Discover, but XXXX refused to delete it, stating that they must report what Discover provideseven though the data furnisher admitted they can not verify the account. This is a direct violation of federal law. I am requesting that the CFPB compel XXXX  to delete this unverifiable account from my credit report and ensure that Discover updates their reporting accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and noticed a lot of inaccuracies and improper use of my credit report. The inaccuracies have been detrimental to my financial well-being. I sent a letter to the credit bureau 's back in XX/XX/year> but did not receive a response, so I sent another letter by certified mail in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I opened a checking account online with M & T Bank under a promotion offering a {$500.00} bonus for setting up a direct deposit. I received a debit card, a checkbook, and two welcome emails titled Welcome to Your New Account and Welcome to Online Banking. Neither email stated that I needed to visit a branch to verify my identity.

I changed my Social Security direct deposit to M & T. Weeks later, I was informed my account was closed on XXXX XXXX any notification. The bank claimed I failed to respond to an email requesting identity verification, but I never received such an email and confirmed it was not in my inbox or spam folder. I have documentation of the only emails sent by M & T. 

Even more disturbing, I received a welcome letter by U.S. Mail on XX/XX/XXXX and a formal account statement on XXXX XXXX dated after the account had been closed. I was never mailed any notification about the closure. 

I had to go in person to the XXXX XXXX in XXXX, NY to reverse the deposit change, wasting time and causing hardship. When I went to the branch for help, I was offered a {$100.00} bonus instead of the {$500.00} I was promised. 

This feels like a bait-and-switch scheme, and I believe M & T Bank should be held accountable.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 ( 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 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have attorney representation and the firm requested debt validation over a year ago. Capital 1 failed to validate the debt. Capital 1 sent me 4 summons with a court date which I forwarded to my attorney. I received the summons on & promptly sent these to my attorney.

Capital 1 without contacting my atty, without validating the debts proceeded and filed judgments against me on unvalidated accounts in court.

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), a creditor 's failure to validate debts upon request is a serious violation. Capital 1 is a repeat violator of several Consumer Protection Laws. 

Therefore, I am filing this complaint against Capital One Financial Corporation due to their repeated failure to validate debts as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) .Despite formal requests from my attorney for debt validation, Capital One has failed to provide any supporting documentation for over a year and has proceeded with adverse actions against me, including filing multiple judgments.

Details of the Violation : - Debt validation requests were sent by my legal representative to Capital One. No response or supporting documentation has been provided.

- Capital One continued reporting the debts erroneously to the credit bureaus without validation.

- Judgments were filed against me despite Capital Ones failure to verify the legitimacy of the alleged debts.

- These actions constitute violations of FDCPA ( 15 U.S.C. 1692g ) and FCRA ( 15 U.S.C. 1681s-2 ( a ) ).

Requested Resolution : - Immediate removal of all judgments related to these unvalidated debts.

- Correction of inaccurate credit reporting and deletion of disputed debts from my credit file.

- CFPB investigation into Capital Ones practices * * regarding debt validation and reporting.

- Legal action against Capital One if necessary to ensure compliance with federal regulations.

Furthermore, knowing I have representation Cap 1 had their attorney 's firm contact me instead of reaching out to my attorney.

I request urgent review and resolution of this matter. Capital One has caused me undue stress and has injured my credit seriously. I appreciate CFPBs assistance in holding Capital One accountable for their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Discrepancy : Last activity date shown as XX/XX/XXXX, while other bureaus use XX/XX/XXXX. 

Status : You list Open while others report Charge Off.

No Collector Address or Agency Info Provided not compliant with FCRA 609 ( a ) ( 1 ).

Action Requested : Verify or delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Problem : You list the date of first delinquency as XX/XX/XXXX, but the account wasnt opened until XX/XX/XXXX this is a clear chronological error. 

XXXX XXXX : Open here vs. XXXX XXXX on XXXX. 

XXXX Requested : Clarify or remove immediately due to false data. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Not consistently reported across bureaus. 

Equifax shows 100 % on-time payment while others mark this as a severe collection. 

Date of XXXX XXXX ( XX/XX/XXXX ) is inconsistent with all other reports. 

Action Requested : Demand verification or delete due to unresolvable conflict.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-05-23 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: FL

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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 2025-05-23 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:
TransUnion is currently reporting two charge-off accounts, one under XXXX XXXX XXXX XXXXXXXX with a balance of {$44.00}, and another under XXXX, XXXX ending in XXXX XXXX a balance of {$1100.00}. I dispute the accuracy and validity of these reported charge-offs as they do not reflect the true status of my accounts. These charge-offs may be outdated, inaccurately reported, or not properly verified. The continued presence of these inaccurate charge-offs severely harms my credit profile and financial standing, resulting in denied credit opportunities and increased interest rates. Moreover, I have reason to believe that these inaccuracies could be linked to potential data breaches that compromise the integrity of the reported information, which demands a heightened level of scrutiny by TransUnion. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, TransUnion is legally required to conduct a reasonable reinvestigation of disputed items within 30 days and ensure that all reported information is accurate, complete, and verifiable. Failure to properly investigate and correct inaccurate information constitutes a violation of my consumer rights and exposes TransUnion to liability under 15 U.S.C. 1681n for willful noncompliance. These inaccurate charge-offs must be promptly addressed to restore the accuracy of my credit file.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im reaching out because Ive been impacted by a data breach that exposed my personal information. Since then, Ive discovered several fraudulent accounts and credit inquiries on my credit reportsaccounts and inquiries that I never authorized or opened.

These unauthorized accounts are hurting my credit and financial stability, even though I had no involvement with them. Im worried about the long-term damage this could cause, especially since Ive already tried contacting the credit bureaus and some creditors directly but havent had the fraudulent information removed.

Im formally asking for your help to have these fraudulent accounts and inquiries blocked and deleted from my credit reports, as allowed under the Fair Credit Reporting Act. Ive attached the necessary documents to back up my request. Please see the following fraudulent accounts and inquires below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Im Michigan, fraudulent conduct related to auto sales.

The dealership misrepresented my down payment in the sales contract. Michigan law addresses various forms of deception and fraudulent practices. Michigan Statues XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This statue criminalizes obtaining money or property through false representations with the intent to defraud. The dealership misrepresented financial terms to inflate the sales price & is a violation of the law. Forgery, Uttering and Publishing XXXX XXXX XXXX XXXX XXXXXXXX XXXX  by conversion XXXX  XXXX my property was lawfully obtained, but wasn't used for my down payment per agreement. The dealership accepted my down payment and misapplied it contrary to the agreed terms, this statue could apply. Altering or Falsifying Vehicle Documents XXXX XXXXXXXX under the Michigan Vehicle Code, it's a felony to alter or forge vehicle-related documents, such as titles of registration certificates, with fraudulent intent. This is also a violation of the truth and lending act 15 U.S. Code 1601 title 15, chapter 41 of the U.S. Code. 15 U.S.C 1640.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I haven't had an inquiry since XXXX of XXXX. My new inquiry is this month XX/XX/XXXX. Experian dropped my score by XXXX points. In XXXX I paid off a loan & Experian dropped my score by XXXX points. My score went from XXXX to XXXX than no new inquiry since XXXX of XXXX but Experian dropped my score by XXXX points. The explanation was a new inquiry in less than a year. However the last inquiry was in XXXX XXXX XXXX. This feels like systematic racism because my score had reached XXXX yet they've dropped my score from Excellent to very good with only XXXX recent inquiry. Last inquiry was XX/XX/XXXX. It's XXXX of XXXX which is more than a year later. They continue to market credit card offers knowing it will affect my score My score should have only decreased by a few points not 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunnova Energy Corporation
State: NJ

Complaint narrative:
Im filing a complaint because the creditor is reporting late payments on my Sunnova account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15USC-1681-S2A, furnitures must report accurate information under 15usc1681I the credit bureau must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Untimely response