vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX XXXX XXXX XXXX  ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX INQUIRIES XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the inaccurate closed late payment entry reported by XXXX on my XXXX XXXX, and Equifax credit reports, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/year>, with a balance of {$0.00}. This account has been closed for several years, and the continued reporting of a late payment is both inaccurate and misleading. Given the age of this account, it is likely that this error is the result of outdated or compromised data, potentially caused by a data breach.

Under 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ), credit reporting agencies are required to ensure that reported late payment information is accurate and up to date. Failing to remove this inaccurate late payment is a clear violation of these requirements, reflecting a serious breakdown in the credit reporting system 's data verification processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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: FL

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-12 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: FL

Complaint narrative:
Hello. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
After reviewing my credit report, there are many inaccuracies and things I do not recognize that I need removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX  XXXX conduct in pursuing a Notice of Trustee Sale for the property. The actions taken by XXXX appear to be unfair, unreasonable, and in violation of good faith obligations when working with borrowers and their representatives. 

The issue began on XX/XX/year>, when XXXX initiated the trustee sale process. Despite my repeated efforts to collaborate and prevent foreclosure through a reasonable market sale, XXXX refused to cooperate. 

They appraised the property at {$560000.00}, but the market did not support that valuation. My real estate agent provided multiple comparable sales and actual offers demonstrating that the fair market value was significantly lower. Unfortunately, XXXX rejected these and insisted we submit an offer that met at least 88 % of their appraised value, which was unattainable based on market feedback. 

In XX/XX/year>, My Real estate agent submitted a legitimate purchase offer aligned with current market value, but XXXX declined the offer without consideration for the comparables provided or the hardship involved. 

We also made formal requests for postponement of the trustee sale and reassessment of the propertys value, all of which were denied without adequate explanation or engagement in a meaningful review process. XXXX unwillingness to work with us suggests a lack of good faith and a disregard for loss mitigation practices expected in these circumstances. 

I am requesting the Consumer Financial Protection Bureau to investigate this matter. XXXX actions have undermined my ability to resolve the default situation through a fair market sale, potentially causing irreparable financial harm and unnecessary foreclosure. 

I am happy to provide documentation, including the appraisal, comparables, submitted offers, and correspondence with XXXX, to support this complaint.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-12 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
On Saturday XX/XX/XXXX, I attempted to withdraw my Bitcoin ( XXXX ) from mXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX ; also known under Winklevoss Exchange LLC ). 

XXXX  denied my withdrawal request, citing a " security hold '' was in place. 

XXXX  directed me to customer support, where I filed an initial ticket. Over several exchanges, I was asked to provide : 1. A selfie containing a full view of my face, the ID I used to register with XXXX, and a handwritten security code they provided over email in addition to the current date ( the date the selfie was taken ). 

2. Documentation that evidenced my source of wealth for my XXXX investments, which I provided in the form of a current paystub ( as directed by XXXX  ). 

After providing the above, I was questioned further- XXXX informed me that after reviewing my pay slip, " XXXX  noticed that the volume of your [ my ] activity in your [ my ] XXXX account was much higher than the income received from your [ my ] salary. XXXX XXXX  then asked for further proof to explain the supposed " difference. '' This is patently false. I explained that my salary for the year provided ( XXXX ) very clearly showed that it was more than sufficient to seed my activity ( my yearly salary is more than XXXX the amount of my cumulative buys in question, made over XXXX ). I then provided my tax return from XXXX as further proof. 

As of this writing, the matter remains unresolved and I'm unable to withdraw my XXXX. I'm requesting help so that I can take my XXXX off of the XXXX XXXXXXXX ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
Dear CFPB, I am filling this complaint against Gemini Trust Company , llc, a cryptocurrency exchange, for denying me access to cryptocurrency funds for over XXXX months, despite my exhaustive efforts to comply with their security requirements and my repeated attempts to to seek resolution.Since XX/XX/year>, I have been unable to withdraw or access my cryptocurrency holdings in my Gemini account, valued at {$3500.00}. I have diligently followed XXXX security protocols, including completing identity verification, enabling two-factor authentication, and responding to all requested doo or security questions. Despite fulfilling these requirements I have received no feedback updates or resolution from XXXX XXXX XXXX. 
Over the past XXXX months, I have contacted Gemini through their support portal email and even tried calling and on social media with no meaningful response. My inquiries have been met with automated replies or complete silence, leaving me, unable to access my funds or understand the reasons for the restriction. This lack of communication and access has caused significant financial distress and frustration. I am seeking XXXX assistance to compel Gemini to restore access to my account and allow me to withdraw my cryptocurrency investigate XXXX practices regarding account access and customer support responsiveness. ensure Gemini providesand clear communication and a resolution to my issue. I have retained records in my communications with Gemini, including support tickets and verification documents. Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
TRANSUNION IS ILLEGALLY REPORTING CHILD SUPPORT ON MY CREDIT, There is no federal law in the United States requiring child support payments to be reported as credit transactions to credit bureaus. THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATELY AND DOES NOT BELONG TO ME. XXXX XXXX {$2600.00}, XXXX XXXX XXXX {$690.00}, XXXX XXXX XXXX {$140.00}. AND THIS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX WANT THESE ACCOUNTS DELETED AND BLOCKED. FOR VIOLATING FRCA CODES.

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 2025-05-12 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I got a divorce last year in XXXX. In the divorce decree it states that my ex husband is responsible for payments on the mortgage. He has missed XXXX payments and I cant even count how many times Ive called since XXXX about him missing payments. My credit is being ruined because he will not make the payments. Fay Servicing told me that I am still responsible even though I have a legal documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

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 explanation
Consumer complaint received 2025-05-12 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: Franklin Financial  Corporation
State: WI

Complaint narrative:
THIS COMPANY REPORTS TO MY CREDIT REPORT AND THIS ISNT MY INFORMATION. THERE IS INACCURRANCE ON THE REPORT SUCH AS SOCIAL DOESNT MATCH MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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 seeking the CFPBs help in correcting inaccurate personal information that TransUnion reports on my credit file. My correct legal name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, as shown clearly on both my government-issued drivers license and Social Security card XXXX However, TransUnion has reported incorrect name variations that must be corrected to reflect my true legal identity. Additionally, the following addresses are inaccurate and must be permanently removed : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My accurate and current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, supported by my drivers license and utility bill. My employer should also be updated to the XXXX XXXX XXXX XXXX. TransUnion is required under the Fair Credit Reporting Act to maintain accurate records under 15 U.S.C. 1681e ( b ) ( Maximum Possible Accuracy ) and correct errors under 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ). If they fail to make these corrections, they may be held liable under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance, with statutory damages of {$1000.00} or more per violation. I respectfully ask the CFPB to take action to ensure TransUnion fully complies and corrects my 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 2025-05-12 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 am formally disputing the collection/charge-off entry reported by XXXX on my TransUnion credit report, Account Number : XXXX XXXX XXXX XXXX XXXX, dated XX/XX/year>, with a reported balance of {$0.00}. This entry is both inaccurate and unfairly damaging to my credit profile. Given the XXXX balance, this account should no longer be reflected as a derogatory item, yet it continues to negatively impact my credit score. The presence of this account, despite a XXXX balance, raises serious concerns about the accuracy and reliability of TransUnion 's data handling processes. It is possible that this error is linked to a broader data breach, compromising my personal and financial information and leading to the erroneous reporting of this account. This oversight is not just a minor clerical error but a significant violation of my consumer rights, exposing me to unjust financial hardship. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681n, TransUnion is legally required to ensure the maximum possible accuracy of the information it includes in consumer credit reports. This includes the obligation to conduct a thorough and reasonable investigation when a consumer disputes the accuracy of the information reported. By continuing to report this inaccurate entry, TransUnion is not only failing to meet its legal obligations but is also exposing me to potential financial harm, including higher interest rates, reduced creditworthiness, and unnecessary financial stress. Given the growing concern over data breaches and unauthorized access to personal financial information, this kind of oversight is unacceptable and must be addressed immediately to restore the integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: OH

Complaint narrative:
Please remove hard inquiries. I do not know where these inquiries came from or recognize them. The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-12 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: CA

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 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