vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: OK

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are several inaccurate items appearing on my credit report that must be addressed without delay. Some contain incorrect information that doesnt match any of my records, others are completely unfamiliar, and several appear to have been added without any proper verification. This is a clear violation of the FCRA, which requires that all data on a credit report be 100 % accurate and verifiable through reliable documentation. 

To resolve this issue, I am demanding the immediate and permanent removal of all disputed information. If the data furnishers can not produce valid evidence confirming the accuracy of these entries, they have no legal right to remain on my file. I expect prompt action to correct these errors and restore the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$94.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$86.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cash App unexpectedly closed my account, citing " suspicious activity. '' I have not been provided with any specific details regarding this alleged activity, and my attempts to dispute the closure have been ignored. I am just one of the many users who is experiencing this unfortunate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
after looking up my credit reports i see unfamiliar accounts, inquiries, and addresses

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: SC

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, This is a formal dispute regarding the account in question on my credit report. I have repeatedly requested that all parties involved provide proof that they are not third-party debt collectors and that they possess the original validation of the debt, including my wet signature on any original contract. As of now, no such documentation has been provided.

It is illegal under federal law for a third party to purchase or attempt to collect on a debt without proper validation and without the consumers informed consent. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), requires that debt collectors provide validation of the debt upon request. Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, information reported to credit bureaus must be accurate and verifiable. If the information can not be verified, it must be removed from the credit report.

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has emphasized that debt collectors and credit furnishers must comply with all requests for validation or face consequences, including fines and removal of the debt from consumer credit reports.

Reasons why a third party should not have access to or report my credit history : XXXX. I have no contractual relationship with the third party. 
XXXX. I have not given consent for them to access or report my private financial history. 
XXXX. The third party has failed to provide any legal or binding documentation linking me to the alleged debt. 
XXXX. Reporting inaccurate, unverifiable information is a direct violation of the FCRA. 

This account is fraudulent and has been reported without the legally required proof. I hereby demand that this item be immediately removed from my credit report. I also request a full investigation and deletion in accordance with 15 U.S. Code 1681i, which mandates that inaccurate or unverifiable information must be deleted within XXXX  days of a dispute. 

Frankly, I am concerned whether this issue is being disregarded due to discriminatory bias. I would hope that federal consumer protection laws are applied equally, regardless of race or background. If this matter is not resolved fairly and promptly, I will pursue further legal action and file complaints with the CFPB, FTC, and state Attorney General

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
I have XXXX issues with LVNV funding LLC the first issue is a debt for {$620.00} that I know was removed off of my credit and now for some reason its back and destroying my credit once again when it was removed before the second issue is a debt for {$480.00}. I do believe and I do not recall this debt. I want proof original documentation with my signature and all they send me is a statement. I dont ever recall opening this credit card and I want them to restore my credit. Take it off. it is affecting me horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am currently enrolled in school and eligible for in-school deferment. I notified Sallie Mae of my enrollment by phone on XX/XX/2025, shortly after my term began on XX/XX/XXXX. I explained I was waiting for my school to send the deferment verification. I have an email from my school confirming they sent the verification to Sallie Mae on XX/XX/2025. 

Sallie Mae later sent me multiple letters ( dated XX/XX/XXXX and XX/XX/XXXX ) confirming that all XXXX of my loans had been placed into in-school deferment. XXXX of those loans are also marked as being in the Graduated Repayment Plan ( GRP ), which is confusing and contradictory. 

However, Sallie Mae is now claiming they never received my schools verification and are trying to place me back into repayment. This directly conflicts with their own documents and my schools confirmation. 

I now have XXXX loans in total all of which were listed as being in in-school deferment in their official letters and in my Sallie Mae account XXXX. I have documentation for all of this, and Im being told completely different information every time I call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
To Whom It May Concern, 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 : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
Complaint : XXXX am rejecting this response because : I originally attempted to get a refund for this purchase in XXXX of XXXX, after I made it. I was told they would not refund because XXXX applied the credit to a travel bank that I can use for myself or anyone I chose. I have tried to use this said travel bank, XXXX  times since XXXX of XXXX. Each time I tried, it would not process the payment. I have tried multiple times to dispute this case due to me not being able to use the credit. XXXX denied my claim once again earlier this month. I contacted XXXX on Friday, XX/XX/XXXX, to see if the travel bank is available for use and it is still frozen. XXXX rejected dispute based on the travel credit available for use. I am unable to use it. It is set to expire XX/XX/XXXX. I am not sure why the creditor is not understanding that they missed contacting XXXX to lift the dispute causing the credit to remain unusable. I have attempted to use the credit XXXX  times now. I had come to terms with it, and determined I would allow my mother to use the credit for travel. This is ridiculous, neither XXXX nor XXXX is willing to take responsibility for this error. And yet I am still responsible for paying for something I am unable to use with interest. This is poor customer service on both the creditor and provider. I am only disputing this again because I can not use the funds that were promised to me per XXXX, stating they would not refund me based on XXXX credit. Again, that I can not use because it is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: DC

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Movement Mortgage LLC
State: TX

Complaint narrative:
I have previously filed a complaint with movement mortgage based on their incompetence and lack of empathy. Today XX/XX/year>, I get a phone call from the closing office on a XXXX way call with movement mortgage regarding the payoff amount. XXXX representative XXXX stated I was provided the wrong payoff amount and that they need {$2400.00} dollars back regarding THEIR mistake. I stated I had called on Monday requesting a payoff, to which one was never sent so I had to call again on Wednesday ( XX/XX/year> ) to request the payoff again. A payoff quote was sent to me on Wednesday to which I sent over to the closing team. My closing for selling the property, that I basically was forced into because their loss mitigation team and investors have XXXX empathy for anyone, was scheduled for XX/XX/year> to which I needed the payoff quote for. The payoff quote sent to me was for {$120000.00} which apparently is off by {$2400.00}. 

Movement mortgage has been a headache to deal with since the beginning of my loss of income and striving to keep my property. Ultimately, I decided to sell the property to keep my credit in tact along with my sanity. The property is sold with all documents needed as of yesterday. Today, this issue comes about. The check for my proceeds has already been cashed and has already been committed to my other debts. 

This is not my mistake nor should I be responsible for it. I followed every direction given to me by movement and the closing team. I did my due diligence in making sure paperwork was in order and even calling them a second time to request the payoff. Movement has {$120.00} XXXX dollar check and I urge them to rectify their mistake with their own team and to stop contacting me from here on out. Its at cease and desist level of how much I would like to speak with anyone related to Movement mortgage ever again. The stress they have caused, has caused several medical issues that I now have to go to the XXXX  for. They gave me this payoff amount and it was wrong. They should be held responsible for their loss of {$2400.00}. If they wanted the exact payoff amount, it should have been sent on Monday when I first requested it OR on Wednesday at my second attempt to get the exact payoff amount. I even stated the payoff request was for my closing the next day so it needed to be right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed.

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. 

XXXX XXXX XXXX XXXX AND XXXX XXXX  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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report. Please.

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