vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : Under XXXX U.S.C. XXXX ( XXXX ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX  XXXX XXXX XX/XX/year> XXXX. Reporting of Obsolete Information Violation of XXXX XXXX XXXX ( a ) ( XXXX ) Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section XXXX ( A ) of the FCRA The FCRA, under Section XXXX ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information XXXX XXXX XXXX ( a ) ( XXXX ) Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to XXXX ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have had Venmo for a few years and never really had an issue with them I used them this year and shortly after getting a debit card from them I noticed I had unusual activity on the card and had noticed unauthorized transactions. I called into Venmo and they were resistent to file a claim but they did once they realized I was in the hospital on some of the dates these actions were done on. I was then given a temporary credit and sent several emails stating the fraud claims were resolved in my favor and the temporary credit is now permanent. A few days later I get another email and told they were reversing the credits back and my account is negative at this time after numerous requests to have them go over the account charges with me. They sent me another email stating since my account is closed they can no longer help me or assist me with anything. I am very upset and would like for them to be held accountable and do the right thing. I would like an explanation on the charges and be given the respect as a customer who always handled the account well and never had any issues. This is heartbreaking for me as it is alot of money to be incorrect with and not providing an explanation just makes it worse. I dont want to be stuck and have noone at Venmo XXXX XXXX be liable due to not answering my requests for amounts and charges and dates, I am praying someone can help me to go over my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: HI

Complaint narrative:
Consumer Report To The FTC FTC Report Number XXXX The FTC can not resolve individual complaints, but we can provide information about next steps to take. We share your report with local, state, federal, and foreign law enforcement partners. Your report might be used to investigate cases in a legal proceeding. Please read our Privacy Policy to learn how we protect your personal information, and when we share it outside the FTC. 

About you Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX City : XXXX XXXX : XXXX  Zip Code : XXXX -- XXXX Country : XXXX What happened Delete all Negative Items XXXX Bank XXXX XXXX XXXX, XXXX Financ Open XXXX XXXX, XXXX XXXX XX/XX/year> Request for Immediate Removal or Correction of Negative Information Under Section 605-B of the FCRA To Whom It May Concern, I am writing to formally request the immediate removal or correction of certain negative information on my credit report under the provisions outlined in Section 605-B of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any negative information that has been reported for longer than XXXX years must be removed from a consumers credit report. Disputed XXXX XXXX of Dispute : Late payments, charge-offs, collections, etc. Date of First Delinquency/Negative Report : Date of first delinquency As per Section 605-B of the FCRA, I believe that the information in question is outdated and should have been removed after the allowable reporting period of XXXX years. I respectfully request that you remove this information from my credit report immediately, as you are required to do by law. Request for XXXX XXXX XXXX law, I expect you to process and remove this inaccurate or outdated information within XXXX to XXXX business days. It has come to my attention that Experian is currently being sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate and remove inaccurate information from consumer credit reports. I expect [ XXXX XXXX XXXX fully comply with FCRA regulations and avoid similar violations. If this request is not processed in the required time frame, I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing other legal remedies. Please send me a written confirmation once the action has been taken and provide an updated copy of my credit report reflecting the corrections. Thank you for your immediate attention to this matter. 

How it started Date fraud began : Amount I was asked for : Amount I Paid : XX/XX/year> {$10000.00} Payment Used : How I was contacted : Other Other Details about the company, business, or individual Company/Person Name : XXXX, Equifax, XXXX  Address Line XXXX : Address Line XXXX : City : State : Zip Code : Country : Email Address : Phone : Website : Name of Person You Dealt With :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Account ( {$1000.00} ) Dear Equifax XXXX Department XXXX I am writing to formally dispute the account listed on my Equifax credit report under the XXXX XXXX XXXX XXXX XXXX reporting a balance of {$1000.00}. 
This account was opened in connection with a furniture purchase, which was never fulfilled. I applied for financing through this company as part of a furniture store transaction, but I never received any of the furniture, and the order was formally canceled. Despite this, XXXX XXXX XXXX is reporting a negative remark on my credit file, falsely indicating that I owe them money. 
This is not a valid debt, and under federal law, I am requesting that this account be immediately and permanently deleted from my credit report. 

Legal Basis for Deletion Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy Equifax must maintain reasonable procedures to ensure that all reported information is complete and accurate. Reporting a debt for merchandise I never received and for a transaction that was canceled is a direct violation of this section.

15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information Upon notification of a dispute, Equifax must conduct a reasonable reinvestigation and remove any item that can not be verified. XXXX XXXX XXXX can not verify a legitimate debt for a canceled order. 
15 U.S.C. 1681s-2 ( a ) Duty of Furnishers to Provide Accurate Information The furnisher ( XXXX XXXX XXXX XXXX XXXX prohibited from reporting information they know or should know is inaccurate. Continuing to report this account after the cancellation of the transaction is a violation of this duty. 

My Formal Requests : XXXX. Permanently delete the XXXX XXXX XXXX account in the amount of {$1000.00} from my Equifax credit file 2. Block the account from future reinsertion, as required under 15 U.S.C. 1681c-2 3. Provide a written response confirming deletion and the outcome of your reinvestigation 4. Ensure ongoing compliance with the FCRA regarding the accuracy and legality of all reported data I expect this dispute to be handled promptly, in full accordance with the Fair Credit Reporting Act. Should this matter not be resolved appropriately, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and will seek legal guidance if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: UT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: WA

Complaint narrative:
I want to thank XXXX XXXX XXXX for sending the documents in response to my request. 

It appears the GLS XXXXNotice Of Our Plan to Sell Property ' dated XX/XX/year> was sent certified mail by GLS but I never received it. 

Please send me proof it was actually sent ( e.g. certified mail tracking number ), or a copy of some other confirmation proving that it was mailed and received by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 am writing to formally file a complaint regarding the reporting practices of XXXX and the failure of the major credit bureaus ( EquifaxXXXX XXXX, and XXXX  ) to properly investigate and correct inaccuracies in my credit report. 

XXXX has reported inaccurate late payments on my credit report. I have disputed these entries multiple times, as they do not reflect my actual payment history. Rather than conducting a thorough investigation and correcting the inaccurate information, XXXX has instead altered the dates of the alleged late payments after each dispute, which appears to be a tactic to continue reporting derogatory information beyond what is allowed under the Fair Credit Reporting Act ( FCRA ). 

Additionally, the credit bureaus have failed to properly investigate my disputes. Despite providing supporting documentation, the bureaus have simply verified the inaccurate data with the furnisher ( XXXX ) without conducting an independent or reasonable investigation as required by the FCRA. This has resulted in continued damage to my credit profile due to information that is factually incorrect and potentially re-aged. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure : XXXX ceases the practice of altering payment dates following disputes, which may be a violation of the FCRA. 
The credit bureaus ( Equifax, Experian, and TransUnion ) are held accountable for failing to properly investigate and correct inaccuracies in my credit report. 
All inaccurate information related to these accounts is permanently removed from my credit file. 
I can provide documentation to support my claims, including previous dispute records and account statements. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX : {$3600.00} Account No XXXX XXXX XXXX Balance : {$2100.00} Account No XXXX XXXX XXXX  Balance : {$1200.00} Account No XXXX XXXX XXXX  Balance : {$1200.00} Account No XXXX XXXX XXXX  Balance : {$710.00} Account No XXXX XXXX XXXX Balance : {$700.00} Account No XXXXXXXX XXXX XXXX XXXX  Balance : {$400.00} Account No XXXXXXXX XXXX XXXX XXXX Balance : {$35.00} Account No XXXX XXXX Balance : {$0.00} Open Account No XXXXXXXX XXXX XXXX XXXX XXXXalance : {$370.00} Account No XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Issue : Misapplied Mortgage Payment Summary of Complaint : Freedom Mortgage became my mortgage servicer effective XX/XX/year>, with my first payment due on that date. As of XX/XX/year>, I have made XXXX mortgage payments to Freedom Mortgage. However, Freedom Mortgages statements and payment history only reflect XXXX payments, showing XXXX payment as missing. 

This issue was first identified in XX/XX/year>. After reviewing my bank records and confirming with my previous mortgage servicer XXXXXXXX XXXX, I discovered that Freedom Mortgage erroneously redirected XXXX of my payments to XXXXXXXX XXXX, even though my account with XXXX was already paid in full. This misapplication was done without my authorization or notification. 

I have contacted Freedom Mortgage multiple times via customer service calls and their message center, but the issue remains unresolved. Despite my repeated requests, Freedom Mortgage has failed to correct the error or properly investigate the misapplied payment. 

This situation is impacting my account standing and could potentially harm my credit. I have documentation, including bank statements and correspondence from XXXXXXXX XXXX, that proves I made XXXX payments and that XXXX was already fully paid. 

What I Want Freedom Mortgage to Do : Correct my payment history to reflect all XXXX payments made since XX/XX/year> Provide a written confirmation that the issue has been resolved and that my account is current. 

Ensure my credit is not negatively affected by this error.

Company response to consumer: Closed with explanation