vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: NV

Complaint narrative:
I have been sending numerous complaints to fix the issue of reporting inaccurate information and to send how they are verifying accounts. I have requested a validation letter showing how they are validating accounts and they refuse to send me any proof. According to 1692g - U.S. Code - Unannotated Title 15. Commerce and Trade 1692g. Validation of debts. ( 5 ) a statement that, upon the consumer 's written request within thirty days, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor stating these our my account. A debt collector shall cease and desist collection of the debt, on any disputed portion, or the complainant will take further action. Due to a recent lawsuit filed against EQUIFAX on XXXX XXXX XXXX, I would not hesitate to take legal action if this is not taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/XXXX, I received an email from Venmo saying my account was suspended for suspicious activity and requested I upload my ID. I followed the instructions and received an email on XX/XX/XXXX that my account was permanently deactivated and that the decision was final and any correspondence from me would not be answered. They closed my account and wont allow me to access my funds, or the funds on my XXXXXXXX XXXX XXXX XXXXXXXX XXXX  account that I opened under my account & is attached to my account. They will not respond to my emails or inquiries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Mortgage — Manufactured home loan
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: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
My husband XXXX XXXX and XXXX XXXX XXXX got laid off XX/XX/XXXX and we got behind on our mortgage payment. My husband XXXX XXXX reached out to 21st mortgage to let them know that we have been laid off from our job and need to make some kind of arrangements to get our mortgage paid. We were going on 3 months behind when we made a payment on XX/XX/XXXX. Then my husband XXXX called back on XX/XX/XXXX to make arrangements to make another payment. My husband spoke with a financial XXXX name, XXXX to make arrangements for the next payment to be made. XXXX then was asking my husband several questions and proceeded to call my husband a liar and that they should have come already and got our home from us that we were living there for free. She was very unprofessional and did not have any respect at all. My husband then informed her that as soon as we got our next unemployment check, we would make another payment... My husband reached out to 21st Mortgage again XX/XX/XXXX th to make another payment towards our loan and he spoke with a woman name, XXXX XXXX refused XXXX take a payment from us and told my husband that we had to make a payment of {$1500.00} that she would not accept a payment unless it was in the full amount of {$1500.00}. My husband told her that he has not even gotten his first check but when we received it we could pay more money to get us caught up. Our first check will not be a full check because they hold you back a week but we will continue to make payments until we are current. They are not even trying to work with us so we can pay our loan. They are very unprofessional. They have not offered a forbearance are a hardship or anything else to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
Seventh Avenue claims I purchase items from their company XXXX and XXXX. I did not purchase anything from them. I have complained to www.identitytheft.gov. I have not heard back from Seventh Avenue in regards to this issue. 

Seventh Avenue needs to prove I purchased anything from them. Send a copy of a cancel check or money order, or a bank account number. What state was I living in when the purchase was made? Where were the items delivered? What was the address? 

They have not answered these questions. So here is my complaint again to them. I will continue to complain and send complains until this is resolved. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
I DESAGREE WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION.I WOULD LIKE THIS ITEM INMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE, ACCOUNT NAME : XXXXXXXX XXXX, ACCOUNT NUMBER:XXXX. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, SUBSECTION A-D, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ABOVE, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.

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 2025-02-26 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: OH

Complaint narrative:
I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not XXXX '' payment on a credit card account under an open-end consumer credit plan as late for any purpose I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why XXXX is heads above the rest. I look forward to your reply.

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 2025-02-26 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: OH

Complaint narrative:
I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not XXXX '' payment on a credit card account under an open-end consumer credit plan as late for any purpose I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why XXXX is heads above the rest. I look forward to your reply.

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 2025-02-26 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: MO

Complaint narrative:
Dear Equifax and CFPB New CFPB violation on Medical Debt Account listed as Unknown. Prior to this Equifax listed it under the fake name of XXXX and before that it was listed as XXXX XXXX Equifax frequently changed the names of the creditors to avoid doing the investigation and claiming they failed to do the investigation and falsely claimed that their failure to investigate was because the account was not longer on the report. This behavior was brought to my attention by an agent from Equifax, who was puzzled as to why their dispute department kept changing the name of my creditors. 
Additionally, Equifax failed to notify me of the creditor name change which is a violation of 15 USC 1681. The most recent creditor name change was done around XX/XX/XXXX or XXXX, XXXX. This was outside the five days allowed under 15 USC 1681. Each FCRA a violation will be listed on a new complaint since the agents working for Equifax do not take time to read the complaints. 
Additionally, the medical loan in question should have been removed after the XX/XX/XXXX ruling that no medical debt should be appearing on a consumer credit report. It also shouldve been removed because there was no legitimate investigation after I submitted a dispute in XX/XX/XXXX and again in XX/XX/XXXX. The 30 days have long been exceeded. 
For the reasons mentioned above, I am demanding that Equifax immediately the Medical debt charge off under the name of Unknown, XXXX and XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
The error is that the " Balance Updated '' date is listed as XXXX XXXX XXXX, which is a future date, making it impossible for this update to have already occurred. This inaccurate reporting could negatively impact my credit and should be corrected.

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 2025-02-26 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: FL

Complaint narrative:
I DESAGREE WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION.I WOULD LIKE THIS ITEM INMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE, ACCOUNT NAME : XXXXXXXX XXXX, ACCOUNT NUMBER:XXXX. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, SUBSECTION A-D, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ABOVE, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NV

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer.

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 2025-02-26 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I used cash app and was defrauded a few times all the times I reported the fraud I wasnt given what type of methods of investigation did they do at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 XXXX XXXX recently pulled my credit report and noticed an account youre reporting, The status states, Account charged off. {$14000.00} written off. Date opened XXXX. 

For this charged-off/written-off account, I never received a 1099-C ( Cancellation of debt ) form nor a debt validation letter. Please send me a 1099-C form and a debt validation letter to the address you have on file, email me a copy, and permanently remove this account from my credit report.

FCRA 1681 ( e ) ( b ) and 15 U.S.C 1681

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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
On XX/XX/XXXX, my Bank of America credit card was charged {$310.00} for an FedEx transaction that I never conducted. This is the very first charge that has ever been placed on this credit card ; I have owned this credit card for several years, but I have never used it for any transaction whatsoever. It has remained entirely dormant until the aforementioned date. Between that date and XX/XX/XXXX, I received no paper correspondence, nor paper bills, from Bank of America regarding this charge. On XX/XX/XXXX, I received my very first paper letter from Bank of America regarding an unpaid balance of {$390.00}, representing the fraudulent charge plus late fees. On XX/XX/XXXX, I placed a phone call to Bank of America 's customer service number in order to make a fraud claim regarding this fraudulent XXXX charge. As a result of the fraud claim being initiated, the bank cancelled my existing credit card and stated they would issue me a new one. On XX/XX/XXXX, Bank of America gave me an e-mail stating that my fraud claim request was received and that the first steps toward researching it were being conducted. On XX/XX/XXXX, Bank of America mailed me a new credit card. On XX/XX/XXXX, I received an e-mail from Bank of America stating that the fraud claim had been completed. After clicking the link in the e-mail to find out the result of the fraud claim, I got another link to a XXXX stating that they were unable to approve my claim. The reason given for their rejection of my claim was as follows : " Based on your account history, this charge is consistent with previous charges with this merchant '', even though I have never made ANY charge on this credit card before in all the years I have owned this credit card, let alone having done NO business with XXXX using this credit card. Thus, I now potentially owe close to, or above, {$400.00} for a XXXX transaction that I had never conducted and which is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 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:
EQUIFAX IS REPORTING XXXX XXXX  ON CREDIT REPORT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME REMOVAL LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
The company has filed suit with the XXXX XXXX XXXX in XXXX Nebraska. Attempted to obtain more information about the debt and was told by their representative no information could be provided as the debt is currently in litigation

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 2025-02-26 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 2025-02-26 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX 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