vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 explanation
Consumer complaint received 2025-04-21 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: MO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report also lists a XXXX  record that I believe is either inaccurate or unverifiable. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an entirely accurate credit report. I am requesting a review of this XXXX  entry and, if it can not be substantiated, its 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 non-monetary relief
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Information placed on credit report without any validation, chain of custody or XXXX. Account does not belong to me.

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 2025-04-21 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: TX

Complaint narrative:
Theres an account showing up on my credit report that I dont recognize at all. Ive never opened it, never used it, and honestly have no idea where it came from. Its completely unfamiliar to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE

Complaint narrative:
I hope this message finds you well. 

I am writing to request assistance regarding the troubling history with my mortgage, which has caused significant financial and emotional strain for my family and me. 

I have resided at my current address since XX/XX/XXXX. My original lender was XXXXXXXX XXXX which later became known for its involvement in mortgage-related misconduct. Shortly thereafter, my mortgage was sold to XXXX XXXX XXXXXXXX, where I began to experience a series of complications. 

After about two years, due to a decrease in income, I requested a loan modification. While awaiting a response, my mortgage was sold to Carrington Mortgage Services, a company known for debt collection. Carrington responded to my modification request by deferring a portion of the balance to the end of the loan term, extending the terms, and raising my monthly payments.

Initially, everything seemed manageable until I noticed that the mortgage balance had inexplicably increased by over {$40000.00}. Subsequently, due to illness, I was unable to work, leaving us reliant solely on my husbands income. We again sought a modification, but Carrington offered trial payments that were higher than our previous payments. Despite fulfilling the trial requirements, the permanent terms again resulted in increased payments and an extended loan period. Despite consistently making payments, our mortgage balance has continued to rise it is now higher than the original purchase price of our home. 

To summarize : Home purchased in XXXX for {$200000.00} Filed bankruptcy in XXXX Received over {$18000.00} in state assistance to cover past-due payments Current balance : over {$210000.00} This situation is deeply troubling, especially considering that we have made regular payments over the years. I am struggling to understand how our balance could have increased so drastically despite our efforts. Additionally, following the bankruptcy, our mortgage balance was adjusted to approximately {$210000.00}, with past due amounts deferred, yet the monthly payments increased again. 

Today, both my husband and I are XXXX on XXXX XXXX XXXXXXXX and living on fixed incomes. We feel we have been taken advantage of for years by a system that should protect homeowners, not exploit them. 

I respectfully request a thorough investigation into : How our payments have been applied. 
The current holder of the promissory note. 
The legality of the continued balance increases and extended loan terms. 

We are simply trying to protect our home and receive fair treatment. I appreciate your time and assistance in addressing this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
This is not a mistake, I need you to understand how serious this is. My credit report has wrong information that is hurting me in a big way. These errors are affecting my life every day and adding to the stress Im already going through. Please fix or remove these mistakes as soon as possible. It would mean a lot to me.

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 2025-04-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c-2 that you the Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the account in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquirie are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud. I request, pursuant to FCRA 605B 15 U.S.C. 1681c-2 that the XXXX credit reporting agency block all of the accounts, collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-04-21 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
This is not a mistake, I need you to understand how serious this is. My credit report has wrong information that is hurting me in a big way. These errors are affecting my life every day and adding to the stress Im already going through. Please fix or remove these mistakes as soon as possible. It would mean a lot to me.

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I fill for bankruptcy in 2018 and it has bring effecting me for my credit to grown! Or to get approved for apartment or car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: WI

Complaint narrative:
I received notice that you verified certain items on my credit report from the following companies : XXXX XXXX XXXX Balance - Balance updated - XXXX LATE PAYMENT Balance XXXX Balance updated XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$800.00} Balance updated XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$4800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$3600.00} Balance updated XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$980.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$620.00} XXXX updated XX/XX/XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$2900.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE Balance {$550.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Total balance : {$29000.00} XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$29000.00} XXXX updated XX/XX/XXXX Real estate loans Total balance : {$10000.00} XXXX XXXX XXXX LATE PAYMENT Balance {$10000.00} XXXX XXXX XX/XX/XXXX XXXX Total balance : {$2400.00} XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$290.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX 
Balance {$580.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  Balance {$570.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX  Balance {$960.00} Balance updated XX/XX/XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within 15 days or delete the account. I also want copies of how you verified these items and their accuracy. 
I would like these in detail Thank you. 
Best Regards, XXXX XXXX Resubmitting letter to credit bureau as they sent a stall tactic generic letter back when I sent my first Request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: DE

Complaint narrative:
Jefferson Capital Systems is reporting a {$430.00} collection account on my credit reports, listed as XXXX XXXX. However, I obtained proof directly from their collection partner, XXXX, that the original creditor was XXXX, not XXXX. 

The XXXX portal clearly shows the debt originated with XXXX and defaulted on XX/XX/XXXX. The email they sent also confirms that the debt is too old to be reported or collected under the Fair Credit Reporting Act. 

XXXX XXXX has misrepresented this debt by : Listing the wrong original creditor ( XXXX instead of XXXX ) Lowering the amount reported ( from {$850.00} to {$430.00} ) Resetting the open date to XXXX, making it look recent This is deceptive and illegal re-aging of expired debt, and a misrepresentation of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-04-21 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. 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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-04-21 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:
THESE HARD INQUIRIES ARE FRAUDULENT AND DOESN'T BELONG TO ME, NEED TO BE REMOVED. ALSO THE NEST AS WELL. 
THANKS XXXX XXXX XX/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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 program, 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 2025-04-21 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 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 2025-04-21 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: AZ

Complaint narrative:
I want to be a first time home buyer. When I noticed all the blatant errors on my consumer credit report. After several attempts to get problem rectified. I was answered by a " Information is verified " response after every attempt. All XXXX credit bureaus have erroneous information that is crucial to my home purchase success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
I was a victim of identity theft from XXXX until late XXXX. Fraudulent accounts were opened in my name and utilized without my consent. This has been a very tough and devastating time.

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 2025-04-21 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: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file. 

Failure to comply with these requirements will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I am also prepared to pursue legal action for negligence and failure to correct known inaccuracies, which can include statutory damages, legal fees, and other costs.

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