vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: VA

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-03-09 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: VA

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-03-09 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: NY

Complaint narrative:
l exercise my rights as a victim of XXXX XXXX  to use XXXX XXXX Repair Act with Equifax. I submitted a letter stated which adverse items were to be blocked, I submitted a OTXXXXA XXXX XXXX confirmation letter from the NYS. I submitted my state id Under section 605C of the Fair Credit Reporting Act my items was supposed to be blocked. Equifax stated they removed the adverse items they believe should be removed and kept what they believe should be kept on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
To whom it may concern : I received something in the mail & tossed it aside b/c I thought it was an advert. This occurred several times. I opened the last & saw they were looking to collect on an account I never authorized. Then I noticed something in my spam from this XXXX Credit Card. They approved a {$1500.00} credit to me. Very generous, thanks so much. 
I have never applied or received the credit card, so I haven't used it. When I called the # on the invoice I was advised to contact here b/c I am disputing a balance of {$100.00} in interest & what ever charges they are trying to get. 
Any & all help in resolving this is appreciated. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: MA

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 2025-03-09 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-09 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: MA

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 2025-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
sent mail saying owe XXXX and XXXX a month havent missed any payments normal amount XXXX i feel they are harassing me i have the letter will send it to you thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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 2025-03-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SS XXXX DOB XXXX I have some addresses on my credit report that I have never lived at. Please delete the following unknown addresses from my credit file. I would like a new credit report sent. 
Delete addresses : 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

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 2025-03-09 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SS XXXX DOB XXXX I have some addresses on my credit report that I have never lived at. Please delete the following unknown addresses from my credit file. I would like a new credit report sent. 
Delete addresses : 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

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 2025-03-09 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SS XXXX DOB XXXX I have some addresses on my credit report that I have never lived at. Please delete the following unknown addresses from my credit file. I would like a new credit report sent. 
Delete addresses : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Subject : Formal Complaint Against TransUnion for Failure to Remove Unverified Collection Account Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for failing to remove an unverified collection account from my credit report despite multiple dispute attempts. The account in question is as follows : Account Number : XXXX Original Creditor : COLLECTION ( No identifiable furnisher or collection agency ) Unpaid Balance : {$710.00} Status : Open Collection/Charge-Off Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX I have disputed this account with TransUnion multiple times, citing Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), which requires the credit bureau to disclose the source of the information being reported. However, TransUnion has failed to provide me with the name and contact details of the furnisher of this debt, meaning the account is unverifiable. 

Furthermore, under FCRA 611 ( a ), TransUnion is required to conduct an investigation within 30 days and remove any unverifiable information. Despite my repeated disputes, TransUnion has continued to report this account without providing any proof of its validity. 

This inaccurate and unverified information is negatively affecting my credit profile, and TransUnions failure to act constitutes a clear violation of my rights under the FCRA. I am requesting that the CFPB investigate this matter and take appropriate action against TransUnion to ensure compliance with federal law. 

I appreciate your prompt attention to this complaint and look forward to a resolution. Please advise me on the next steps to rectify this issue.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiry on Credit Report Dear XXXX XXXX XXXX am writing to formally dispute a hard inquiry that has been listed on my credit report. I have reviewed my credit report and noticed the inquiry from the companies listed below. I do not recall authorizing this inquiry and would like to request that it be investigated.

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. I do not recall applying for credit with these companies, and I believe these inquiry may have been made in error or without my consent.

Please investigate this matter and remove the inquiry from my credit report if it is found to be unauthorized. I would appreciate written confirmation of the results of your investigation.

Thank you for your attention to this matter. Please inform me of any further information you require in order to proceed with this dispute. 

Hard Inquires that need to be taken off : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year> I had my refund advance deposited into my XXXX PayPal account. By XXXX XX/XX/year>, my account had been frozen for suspicion of fraud with the money still in the account. They are saying they have up to a six month period to hold my funds. I have contacted account specialist on numerous of occasions only to be given the same automated email over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: KY

Complaint narrative:
Ok there are several things on my card I didnt not do and this girl was staying in the house had access to everything and she used an account number to pay for our bills and I gave her cash she said she had a trust fund she only could use it to pay bills so her half we had to give her the cash to get her half of the money any way she disappears and every thing she made a payment on got returned idk whos account she used or what but now Im responsible for XXXX $ of payments thats was returned to my account and there are transactions Im not familiar with as well I have her name n location n date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
XXXX 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 2025-03-09 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: MOHELA
State: KY

Complaint narrative:
Mohela has not provided us with a copy of the 1099-a required by the IRS for all Borrowers. We are not a Borrower of Mohela, but Mohela claims that we have a loan with them. We do not. We dispute any amount that Mohela says is due. Mohela failed to CEASE and DESIST from contacting us or calling us despite our repeated requests, therefore we make these additional claims that 1 ) MOHELA failed to process the IRS Form 1099-C cancellation of Debt, thereby violating Public Law 73-10 and House Joint Resolution 192 . 

2 ) We do not have any debt with Mohela or XXXX and Mohela 's alleged record is fictitious. We accept the absence of debt as the reason for MOHELA 's failure to file the Form 1099-C with the IRS. If MOHELA continues to allege a Debt, then we make the further claim of tax evasion and tax fraud as we never received said Form 1099-a and we have received no confirmation of Form 1099-C being processed. 

3 ) We hereby request the state issued identification of XXXX XXXX CEO and all of the Mohela agents who have called us despite our issuing a cease and desist order and notifying MOHELA that we are on a Federal Do Not Call List. 

4 ) MOHELA has failed to prove any Debt, failed to prove any contract, failed to prove authorization to administer the Estate, thereby acting as XXXXXXXX XXXX XXXX XXXXXXXX. 

5 ) XXXX XXXX XXXX 5 US 137 prohibits actions repugnant to the Constitution and all laws contrary there to are void and any violation of an Oath is a crime, so says the US Supreme Court in XXXX, 5 US. Mohela is engaged in actions repugnant to the Constitution making their actions under any statute unlawful. There is no Constitutional justification thereby making Mohela 's actions based on presumption and a crime. 

6 ) MOHELA is in violation of Article 1, Section 10, Clause 1 of the Constitution making their actions unlawful. 

7 ) Mohela made an adverse credit report in furtherance of their harassment and fraud. We dispute any purported debt and make a counterclaim of criminal racketeering. 

8 ) We demand MOHELA to produce the state issued identification of the CEO and all officers and agents involved in this matter so that they may be properly identified by law enforcement and by us. 

CFPB is warranted to engage in enforcement action against MOHELA with penalties.

Company response to consumer: Closed with explanation