vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: KY

Complaint narrative:
The inaccurate information currently reflected on my credit report is causing significant harm to my financial opportunities, including my ability to obtain loans, secure credit approvals, and access housing. The presence of unauthorized negative entries is both unjust and unacceptable. I can not allow these inaccuracies to continue impacting my financial stability. I am requesting an immediate and thorough investigation into these accounts, and I insist they be removed without delay. This matter requires urgent attention, and I expect swift and decisive action to resolve it promptly.

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 2025-05-16 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: FL

Complaint narrative:
This complaint is deliberate and must be taken seriously. My credit report contains mixed and inaccurate information, including accounts and transactions that do not belong to me. I have identified these issues repeatedly, and their continued presence is unacceptable. This situation is causing significant stress, and I demand immediate investigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I sent {$1000.00} to XXXX by Zelle through my XXXX XXXX app. I had sent money to XXXX before with the same account information. After sending the money, I contacted XXXX direct to see if he had received the funds. He then told me that he had closed the account that I had sent the money to ( at XXXX XXXX ). I contacted my bank ( XXXX ) immediately, and XXXX contacted XXXX XXXX to notify them of the problem. XXXX investigated the issue and told me that they could not return the finds to me. XXXX was told by XXXX XXXX that since he had closed the account a few weeks prior, the funds would be rejected and returned to me- which has not happened as of todays date XX/XX/year>. I tried to raise the issue with Zelle, but was told that since the transfer had gone through, there was nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
Once again, I am asking for First Financial Investment Fund V to produce the original bill from Southern Regional that I was sued on the first time in XXXX. 
First Financial Investment Fund V has hired a company and is involved in illegal practice with their representation, XXXX and XXXX, XXXX. XXXX  ( not to be mistaken with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not affiliated with the more professional XXXX XXXX XXXX ). 
XXXX XXXX XXXX XXXX has broken the Law by under XXXX XXXX to have me sued more than once on the same case that already had a ruling back in XXXX just because this company failed to follow up in XXXX  and waited some XXXX XXXX to finally sue for the debt again, but this time at a much higher amount even AFTER the Statute of Limitations was met. This company needs to be investigated of all its debt collection and for everyone who had been sued by this company, recheck your bills from them as you may also have been illegally sued which is totally against the Law and a violation of Consumer Rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MS

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-16 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-05-16 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: NC

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC
State: CT

Complaint narrative:
XX/XX/year>, I attempted to make an extra payment on my active loan through the XXXX XXXX online portal. Before I could complete the transaction, I was required to agree to a new set of vague and expansive terms. The platform would not allow me to proceed with payment unless I accepted these terms, which appeared unrelated to the original loan agreement and lacked clear explanation or limitation of scope. 

This raised significant concerns, as the loan is already governed by a binding contract. Forcing customers to agree to new, potentially conflicting terms just to make a payment seems predatory and deceptive. It creates uncertainty around whether the payment could restart the loan, alter the repayment schedule, or waive rights under the original agreement. 

I contacted customer service to request a method of submitting a payment without agreeing to new terms, but I was not provided with a satisfactory solution. 

This tactic appears designed to corner consumers into unknowingly surrendering rights or accepting changes under duress, simply to fulfill their financial obligations. 

I am requesting that the CFPB review whether this practice constitutes unfair or deceptive conduct, and that the company be required to offer a payment method that does not condition access on unrelated or unclear legal agreements. 

-- - # # # * * Shady Changes Buried in Their Terms : * * * * * Binding Arbitration Clause * * * You waive your right to sue in court, join a class action, or appeal decisions. All disputes must go through private arbitration, usually favoring the lender. 

* * * XXXX XXXX XXXX * * * You're agreeing to * never * join others in holding the company accountableeven if they're doing the same thing to thousands of people. 

* * * Permission to Share or Sell Your Data * * * Vague language that grants them the right to share your personal and financial info with third parties for marketing or " business purposes. '' * * * Ongoing Authorization for Charges * * * You may be giving them permission to charge your bank account or card in the future, without additional notice. 

* * * Changes to Loan Terms Without Notice * * * They reserve the right to modify loan conditions ( like fees, due dates, or servicing rights ) simply by updating the terms online. 

* * * Consent to Electronic Communication Only * * * You give up the right to paper notices or mailed legal updates unless you specifically request them in writing. 

* * * Waiver of Prior Agreements * * * Language may suggest that by agreeing now, youre replacing or modifying your original loan contractpotentially wiping out protections or terms favorable to you.

* * * No Guarantee of Information Accuracy * * * They disclaim responsibility for incorrect or outdated loan balance or payment status info shown on their platform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — FHA mortgage
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: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
I just want to report that this company has started harassing me. 

They called me once last week, and four times today, XX/XX/year>. I was already on the phone with one of their agents when the other four calls came in. 

I asked them last week to stop calling me with the same information because its annoying. I am fully aware that my account is in foreclosure status, and I informed XXXX XXXX, their liquidation  supervisor, on XX/XX/year>, that I intend to try to short shale the property. He told me that I cant apply for short sale loss mitigation until I have an offer on the home. 

This morning, they called to ask me the exact same questions and give me the exact same information. Like I said, its annoying. I asked the representative to stop calling me, and she said she would put in a note but couldnt guarantee that the calls would stop. IMMEDIATELY after that, I got another call from Carrington Mortgage while I was still on the phone with the agent. And then, when I didnt answer. they called me twice more!

If they have all of the information about my house being on the market, why do they need to keep calling me every week with the same information over and over? If they havent gotten the short sale application from my realtor, that means nothing has changed. 

Like I said I want these people to stop harassing me. They didnt accept my deed in lieu application. and thats fine. But I dont need to to keep calling me to repeat what I already know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
During XXXX XXXX XX/XX/2024, I wire transfered money in the amount of $ XXXX, one of the recipients is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Bank Name : JP Morgan Chase XXXX XXXX # XXXX Account # XXXX Bank Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: The Bureaus, Inc.
State: PA

Complaint narrative:
Since XXXX2024 I have been reaching out to this company trying to resolve this matter. I never gave written consent to the " XXXX XXXX '' to have access to my information or to place this misleading and false information on my credit report I do have an account with this collection agency. This has made me uncredited worthy and is hindering me to make better financial decisions for me and my family and has caused me to become XXXX XXXX please remove account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: SC

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. 
XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-05-16 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:
Several bank errors related to billing and credit reporting have adversely affected my credit. Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), creditors are legally obligated to accurately report payments and credits. However, multiple discrepancies have occurred, including : Misapplied Payments : Payments I submitted were not properly recorded.

Calculation Errors : Incorrect amounts have been reported, reflecting inaccurate balances.

Violation of 21-Day Notice Requirement : I did not receive the legally mandated 21-day notice before a payment was due, rendering any late payment reporting invalid.

These errors constitute clear violations of federal law and have unjustly damaged my credit standing. I request an immediate investigation into these inaccuracies, correction of all reported discrepancies, and removal of any negative marks resulting from these errors.

Please provide written confirmation of the resolution within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

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 605B 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 2025-05-16 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: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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