vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XX/XX/XXXXXXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Intent to File Lawsuit for Continued Reporting of Fraudulent XXXXXXXX XXXX Account Dear TransUnion Dispute Department, This letter serves as formal notice of my intent to file a lawsuit against TransUnion for willful and negligent violationsof the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] due to your continued reporting of a fraudulent XXXX XXXX XXXX XXXX  account on my credit file. Despite submitting a Federal Trade Commission ( FTC ) Identity Theft Report, a police report, and multiple dispute requests, you have failed to remove this fraudulent account, causing significant financial and reputational harm. 
Details of the Fraudulent Accounts : Creditor Name : XXXX XXXX Account Number XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number XXXX Date Opened : XX/XX/XXXX I have provided sufficient documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block fraudulent accounts when a consumer provides an identity theft report. You have failed to comply with this obligation and have instead continued to report inaccurate and damaging information.

Due to your willful noncompliance, I am prepared to file a lawsuit against TransUnion in California Federal Court for the following violations : 1. Failure to block fraudulent information as required by FCRA 605B.

2. Failure to conduct a reasonable reinvestigation as required by FCRA 611.

3. Continuing to report inaccurate information in violation of FCRA 623.

I demand that TransUnion : 1. Immediately and permanently remove the fraudulent XXXX XXXX account from my credit report. 
2. Provide written confirmation that this account has been deleted from my file.

3. Cease and desist from any further reporting of this fraudulent account to lenders, creditors, or other third parties.

If I do not receive written confirmation of full compliance within 15 days, I will proceed with legal action seeking statutory damages, actual damages, punitive damages, and attorneys fees as permitted under FCRA 616 and 617. Additionally, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office regarding TransUnions continued failure to comply with federal law.

This is your final opportunity to resolve this matter before legal action is taken. Please respond in writing to confirm compliance by XX/XX/XXXX Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX, I requested a loan modification for my mortgage loan. I was not delinquent or late on my payments at the time. However, my bi-weekly wages were below my {$1200.00} monthly mortgage payment, so in an attempt to prevent any future problems paying my mortgage, I requested a loan modification from XXXX XXXX # XXXX. I received a letter on XX/XX/XXXX from XXXX stating that my mortgage trial payment would be {$1000.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by XXXX that after making those payments, {$1000.00} would be my regular monthly mortgage payment. I later received a letter from XXXX stating that my monthly mortgage payment would be transferred from XXXX XXXX M & T Bank Loan # XXXX on XX/XX/XXXX. I called M & T Bank to attempt to make my XX/XX/XXXX payment and I was told that my new monthly payment would be {$1200.00} due to my taxes and insurance. I am not in agreeance with this due to the amount being very close to my original mortgage payment amount. Also, this is not what XXXX stated the payment would be. I was told by XXXX that the payment would be {$1000.00}. I was not delinquentt on my trial payments and I made the payments before the XXXX of each month which is XXXX 's deadline before payments are reported late however, the M & T Bank website has an alert on their website stating that I was late.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My XXXXXXXX XXXX its showing on my credit part the account is paid off and closed

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My XXXX XXXXXXXX its showing on my credit part the account is paid off and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My XXXX XXXX its showing on my credit part the account is paid off and closed

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 2025-02-23 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:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation & REMOVE these accounts from my consumer report. This complaint is in reference to the accounts below that are currently still reporting inaccurate on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I requested a line-by-line accounting of the escrow account more than a dozen times, and submitted formal complaints. The company finally contacted me 1 time after the formal complaint. The representative said they would send out the requested account detail and contact me after. However, they just text dumped, without formatting, a response on this website. That response is unreadable and does not provide the information. The representative never called back or had any other contact. The company has now charged a fee because of their change and total lack of integrity, followup, or anything else they said they'd do. 
Do everything possible to avoid doing business with PennyMac Loans. Customer service, accountability, integrity, and transparency are the LAST things they care about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: NC

Complaint narrative:
I am filing this complaint regarding an innacurate item on my credit report that continues to negatively impact m credit. despite my efforts to resolve this directly with the report agency, it remains unresolved.I request inmediate investigation and removal of this items as it is incorrect and does not reflect my true credit history XXXX {$8800.00} XXXX {$2700.00} XX/XX/XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$7500.00} XXXX {$6600.00} XXXX {$270.00} XXXXXX/XX/XXXX{$2400.00}XX/XX/XXXX {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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:
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 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested Experian remove 2 late payments on my consumer credit account : Experian has violated my rights under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ), I never gave anyone permission to report this information. I have asked Experian to provide the details of their investigation & to date I have not been give a proper investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My personal information was exposed in a data breach and I have charges and inquiries that I did not do.

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 2025-02-23 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: NJ

Complaint narrative:
This account was charged off on the following date XX/XX/scrub>/2021 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account Account name XXXX/OVER Account Number 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 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted proof that these items are inaccurate numerous times. I have submitted police reports, FTC reports showing these items are inaccurate. Transunion removed the items and then reinserted them, which is a violation of the law. I have attached copies of everything i have submitted and the laws that were violated. 

See documemts attached ....

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 2025-02-23 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: TX

Complaint narrative:
They did sham investigation and verify information.

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 2025-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized hard credit inquiry made by Comenity Capital Bank XXXX XXXX Credit Card on my credit report. I did not apply for credit with your institution, nor did I authorize this inquiry. My personal information was fraudulently used without my consent, resulting in this unauthorized credit inquiry appearing on my credit report. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a company may only obtain a consumer report under specific permissible purposes, such as an application for credit. Since I did not apply for credit with Comenity Capital Bank, you do not have permissible purpose to have accessed my credit report. As such, I am requesting that this unauthorized inquiry be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I requested an account be deleted from my credit report due to its inaccuracy. Per the original creditor ( XXXX XXXX ), the account was paid in full on XX/XX/year>22, however, this account is still reflecting as late/in collection AFTER this date. This is a violation of FCRA 1681s-2 ( a ) ( 2 ). Under this law, creditors are required to delete the account reporting a late payment on an already satisfied debt. I am in the beginning stages of purchasing a home for my family of XXXX and this is hindering my ability to receive a fair mortgage rate due to the negative impact this account has on my 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 explanation
Consumer complaint received 2025-02-23 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: AL

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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 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 2025-02-23 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: TX

Complaint narrative:
I have requested that Equifax remove the incorrect inaccurate information from my credit report. They initially removed the information and then reinserted it, which is a violation of the law. 

See attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year>2025 you all have failed me To Whom It May Concern : My information have been involved in your companys data breach leading to fraudulent accounts on my consumer report I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX/ ACCOUNT # XXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, 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