vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: CA

Complaint narrative:
Reporting agencies, violated the Privacy Act and have created a financial hinderance for me and my family, and has caused harm to my credit profile. They are currently violating a copyright, a security agreement, and XXXX XXXX XXXX that has been placed in the public.

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 2025-04-13 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: 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVN funding purchased my credit card debts for XXXX  on XXXX. Then they try to come after me for amounts from original companies. How is that right? There using false amounts and dont have a sign contract with me. Please remove thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding my dispute of inaccurate information on my credit report. 

On [ XX/XX/year> ], I submitted a written dispute to Experian regarding incorrect and inaccurate information appearing on my credit file. I sent this dispute via [ certified mail ], and it was recived by Experian on XX/XX/year>. 

Under the FCRA, Experian is required to investigate and respond to consumer disputes within 30 days. However, as of today, [ XX/XX/year> ], more than 30 days have passed, and I have not received any response, investigation results, or communication from Experian regarding my dispute. 

This lack of response is a direct violation of my rights under the FCRA and has caused unnecessary delays in correcting false information that negatively impacts my credit profile.

What I want Experian to do : Immediately investigate the disputed information as required by law Remove or correct any inaccurate or unverifiable information on my credit report Provide a written explanation and summary of the investigation results Ensure compliance with the 30-day dispute resolution requirement moving forward

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 2025-04-13 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: NC

Complaint narrative:
I recently discovered that my XXXX XXXX account has been reported as 90 days late as of XX/XX/year>, which has negatively impacted my credit score. However, I never received any notices, emails, phone calls, or letters informing me that my account was delinquent. 
I believe this late payment report is inaccurate and unfair for the following reasons : I was not made aware of any missed payments. 

I regularly check my loan account and did not see any alerts or due balances that would suggest delinquency. 

I did not receive any communication from the servicer about missed payments before the negative credit report. 

This situation has caused significant harm to my credit score, and I am now facing additional challenges due to this reporting error. I am requesting that : The negative report be investigated and, if found to be inaccurate, removed from my credit report. 

The loan servicer provide documentation showing how and when they attempted to notify me of the delinquency. 

I be allowed to bring my account current without further penalty if this was an error in communication. 

Thank you for looking 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 2025-04-13 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: NC

Complaint narrative:
I recently discovered that my XXXX XXXX account has been reported as 90 days late as of XX/XX/year>, which has negatively impacted my credit score. However, I never received any notices, emails, phone calls, or letters informing me that my account was delinquent. 
I believe this late payment report is inaccurate and unfair for the following reasons : I was not made aware of any missed payments. 

I regularly check my loan account and did not see any alerts or due balances that would suggest delinquency. 

I did not receive any communication from the servicer about missed payments before the negative credit report. 

This situation has caused significant harm to my credit score, and I am now facing additional challenges due to this reporting error. I am requesting that : The negative report be investigated and, if found to be inaccurate, removed from my credit report. 

The loan servicer provide documentation showing how and when they attempted to notify me of the delinquency. 

I be allowed to bring my account current without further penalty if this was an error in communication. 

Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently discovered that my XXXX XXXX account has been reported as 90 days late as of XX/XX/year>, which has negatively impacted my credit score. However, I never received any notices, emails, phone calls, or letters informing me that my account was delinquent. 
I believe this late payment report is inaccurate and unfair for the following reasons : I was not made aware of any missed payments. 

I regularly check my loan account and did not see any alerts or due balances that would suggest delinquency. 

I did not receive any communication from the servicer about missed payments before the negative credit report. 

This situation has caused significant harm to my credit score, and I am now facing additional challenges due to this reporting error. I am requesting that : The negative report be investigated and, if found to be inaccurate, removed from my credit report. 

The loan servicer provide documentation showing how and when they attempted to notify me of the delinquency. 

I be allowed to bring my account current without further penalty if this was an error in communication. 

Thank you for looking 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 explanation
Consumer complaint received 2025-04-13 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: LA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me 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 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I deposit a cashiers check for XXXXXXXX XXXX in my Citibank account. The funds came from my primary bank which is XXXX XXXXXXXX XXXX XXXX XXXX in the form of a cashiers check, I withdrew that amount that same day that I deposited the check in my Citibank account. Two weeks later I wanted to withdraw half of the amount I had left in my account which was {$38000.00}, when I tried to withdraw my money, the bank immediately closed my account without any explanations they kept my money and they told me I was to receive a letter in the mail explaining why they closed my account and that I would be getting my funds in a check. I never received neither one. I went back to Citibank to ask what happened to my money, they told me that they miles a check on XX/XX/year> I told them I never got anything. Then, another teller came to tell me that they never mailed any check. I asked them to give me my money as soon as possible because I was counting on those funds to pay for my rent, my car and my bills. They asked me to bring proof that the funds I deposited on XX/XX/year> came in act from my credit union. I went back with the info on XX/XX/year> XXXX XXXXXX/XX/year> with all the proof they needed to ratify that in fact the cashiers check from my credit union was legal and in good standing and Citibank is still refusing to release my money which as of today is 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 monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: AZ

Complaint narrative:
I received my paycheck this Friday, XX/XX/XXXX. I was excited for payday to have arrived early and went to go fill up my car and was needing to withdraw {$1000.00} cash as well. Since I bank with Cash App and have direct deposit, I have one fee free out of network ATM withdrawal that I can use every 31 days. Its a lot easier and more convenient to use this one out of network fee freee withdrawal when its available. I can go to XXXX and get XXXX $ XXXX instead of going to a gas station ATM where I have to withdraw XXXX $ XXXX and do so in multiple transactions. As I was driving, I thought it would be easier to call Cash App customer support to ask if I had this available because I wasnt sure if it had reset. I thought this to be safer than driving and trying to navigate the App to see if it was available to me. The telephone representative set the expectation and gave me the assurance that I would not be charged a fee, which in this case amounted to {$6.00}. I made the mistake of taking their word for it, and it turns out no, I didnt have it reset yet, as I had previously made a withdrawal on XX/XX/XXXX, so it had only been 30 days, not 31. I can acknowledge that I made a mistake, but I only made that mistake because of representative error and Cash App does not want to acknowledge that their representative led to me doing that out of network atm withdrawal, when I otherwise would have gone about it differently and gone to the in network one. I have paid SIGNIFICANTLY more to this company in miscellaneous fees this year and it feels disrespectful that they can not make an exception when they caused me to incur a fee due to their guidance I was provided. Im certain they can pull that call, listen to it, and see that that is what happened. All Im simply wanting is my {$6.00} that I feel is not out of the question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please Id like to remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-13 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-13 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: NH

Complaint narrative:
The end of XX/XX/year>2024 my Credit Karma account was hacked. Credit Karma had given me the alert that my account had been having suspicious activity. I called the company and they said that my money from my savings and my spend account had been transferred to many different cash apps. Therefore, my account was hacked. Once they had closed the accounts because of the fraudulent activity, they did not allow me to see any of my account history anymore. The money they took from my savings account through my bank was given back to me by my bank and the savings account was closed and a new savings account was opened. I have tried emailing. I have tried calling. I was told through chat on the Credit Karma app that somebody would be getting back to me through email I have reached out many times to tell them I have not received anything and they keep telling me that I have to wait until somebody contacts me through email I have opened a case and filed a report with the XXXXXXXX XXXX XXXX. The case number is XXXX OF. The police officers name is XXXX XXXX telephone number XXXX extension XXXX. His email address is XXXX. I have filed with the Attorney Generals office as well as the XXXX XXXX XXXX XXXX in hopes that I can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cactus Jacks Auto Sales
State: OK

Complaint narrative:
One of the accounts are paid, and the other accounts is not mine, Both accounts show the same account number, and different dates in which the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: MI

Complaint narrative:
This is a second request through CFPB. 
Claim # XXXX - Dated XX/XX/XXXX I paid off a 0 % interest car loan ( XX/XX/XXXX ) thru XXXX XXXX XXXX years before it was due, however, for some reason they reported me to be 30 days late on XXXX of the payments. I discovered this a year later, and showed XXXX XXXX their error which they corrected. In XXXX of XXXX, I disputed the 30 day late pay status, and they received the corrected information from XXXX XXXX, and sent me a dispute result showing there was were no late payments. What I didn't see at the time was that there was no change in the " late payment status. '' XXXX had the same error, but they corrected it short order. Getting back to TransUnion, when I finally discovered that there was essentially no change in my late pay status, there were numerous phone calls, numerous disputes, all with the same result. It was like TransUnion didn't understand their own report codes. Today, nothing has changed ( XXXX ). 

AGAIN, AS OF TODAY XX/XX/XXXX NOTHING HAS CHANGED! 
I'm attaching the latest ( XXXX ) Investigations Result showing NO CHANGE.

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 2025-04-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I Told Experian that that XXXX XXXX said they no longer own this account. So I said this is reporting wrong on my credit report please delete this.

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 2025-04-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 - 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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