vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I called transunion after finding out my credit had been used and compromised in the dark web. A online dispute was filed and FTC report along with police report was placed with documentation, and identification. After calling them they were supposed to remove the items within 4 business days and failed to follow the FCRA laws that they are suppose to abide by regarding identity theft. Proper documentation was sent to them. And they still did not remove the items from my report. The customer service was very rude, and they kept repeating that it was under investigation. At no time after repeating there laws to them did they say they would remove the negative items on my report. They arent doing there jobs and are failing to properly remove items due to fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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 called transunion after finding out my credit had been used and compromised in the dark web. A online dispute was filed and FTC report along with police report was placed with documentation, and identification. After calling them they were supposed to remove the items within 4 business days and failed to follow the FCRA laws that they are suppose to abide by regarding identity theft. Proper documentation was sent to them. And they still did not remove the items from my report. The customer service was very rude, and they kept repeating that it was under investigation. At no time after repeating there laws to them did they say they would remove the negative items on my report. They arent doing there jobs and are failing to properly remove items due to fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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 request a thorough review to address any further inaccuracies. I ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it

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 2025-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MortgagePros, LLC
State: MI

Complaint narrative:
I worked with a company called mortgage pros, who closed on my Home 2 years ago. After that, I have asked them to stop contacting me and I put myself on the do not call list. It has been 2 years and they have been persistently contacting me. I have asked them to stop over text message. Email and over the phone they keep calling me. After I've asked them to stop and after I've put myself on the do not call list and have told them I am on this list. I would like to file this formal complaint. XXXX XXXX is the owner of this company and he's a bit sketchy himself. They talk about doing fair business but have been known to switch and bait there Clients. I used to work for this company so I know how they operate nothing but scams. I wish I would have picked a different company to write my loan as I do often worry what they will do with my information since I no longer work there. I really just want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
ALLY FINANCIAL ( CLOSED ) Account Number or other information to identify account : XXXX Source of dispute information : XXXX Report Confirmation XXXX Type of disputed information : Credit account/tradeline Explanation of item being disputed : Date Opened is reporting as XX/XX/XXXX but the Payment History for XX/XX/XXXX is incomplete. Please contact the furnisher to update the incomplete data Payment History for XX/XX/XXXX is incomplete. Please contact the furnisher to update the incomplete data. 
Date of Last Payment is incomplete. Please contact the furnisher to update the incomplete data. 
Date of Last Activity is incomplete. Please contact the furnisher to update the incomplete data. 
Amount Past Due is incomplete. Please contact the furnisher to update the incomplete data. 
Date closed is incomplete. Please contact the furnisher to update the incomplete data. 
Date of First Delinquency is reported as XX/XX/XXXX but the Payment History for XX/XX/XXXX is reported as Paid on Time. One or both are inaccurate, please contact the data furnisher to update the inaccurate data. 
Delinquency First Reported is reported as XX/XX/XXXX but the Payment History has XX/XX/XXXX as the first 30 Days Past Due reported. One or both are inaccurate, please contact the data furnisher to update the inaccurate data. 
The Date Reported is XX/XX/XXXX but the Payment History for XX/XX/XXXX is incomplete. Please contact the furnisher to update the incomplete data. 
High Credit is incomplete. Please contact the furnisher to update the incomplete data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am filing this complaint against Exeter Finance for failing to follow proper legal protocol for vehicle repossession in the state of Georgia. 



Exeter Finance repossessed my vehicle without providing the legally required notice of default and opportunity to cure, as outlined under Georgia law ( O.C.G.A. XXXX ). I was not given any written notification informing me of my right to bring the account current before the repossession occurred. Additionally, there was no adequate notice of sale following the repossession. 



This wrongful repossession has significantly impacted my credit history and financial well-being. The account is now being reported negatively to credit reporting agencies, despite my willingness and ability to resolve the matter had I been properly notified. 



I am requesting that Exeter Finance : Compensate me for the damage caused to my credit profile. 

Remove or correct all negative credit reporting related to this unlawful repossession. 

Provide written acknowledgment that repossession protocol was not properly followed. 



I respectfully ask that the CFPB investigate this matter and hold Exeter Finance accountable for violating consumer rights and Georgia state repossession laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
So I've been notified by my leadership it was possible to reduce my interest rate and receive back pay from it. I call Santander and asked them about the process and what was needed for them. The agent said the documents was requested when I originally got my car which has been years. I asked for it through email as what is needed they asked for my orders but said it would take a week to receive an email. After a week a called again this time a female agent told me she needed my order and to email it to their company work email address i emailed it my XXXX orders and also my XXXX XXXXs for what brought me to XXXX XXXX and which XXXX i was under while XXXX  here from our XXXX and after we returned from the XXXX i received and email on the XXXX which i didnt noticed saying that i was denied for XXXX due to them saying i was not able to be verified being in XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 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:
Please block and delete the unauthorized accounts currently appearing on my credit report. I did not authorize or initiate them, and I am unaware of how they were added. Pursuant to USC 1681g, I formally request their removal within the next 15 days. Enclosed youll find the supporting documents for your review. Its also important to note that each credit bureau is reporting different and inaccurate information for these accounts.

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 2025-05-21 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: GA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-21 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: TX

Complaint narrative:
My repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful, allowing these unauthorized entries to continue causing significant stress and anxiety in my daily life. As a victim of identity theft, I never authorized or consented to having this damaging information associated with my name, yet I continue to suffer the consequences of these false records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: IDT Telecom, Inc
State: AZ

Complaint narrative:
The company on XX/XX/XXXX advertised a rate and I sent funds for the exchange equivalent in local currency. They asked for account verification and drivers license etc. provided it and even spoke to a representative. Never got the funds in minutes. Called back to them and asked for a refund if they are not able to fulfill their advertised rate and till date of Tuesday XX/XX/XXXX 5 days and counting am yet to get my {$2000.00} back nor have I received any alert in local currency. Had called them notifying them since it was meant for medical bills and I have used a different service need my funds back. This XXXX XXXX company is using false advertising to take folks funds to transact their own business and this must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally lodge a complaint against TransUnion, XXXX of the XXXX major credit reporting agencies, for repeated and willful violations of my privacy rights and multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

TransUnion has continued to send sensitive and confidential correspondence regarding my credit file to a P.O. Box address that I no longer use and have explicitly not authorized for communication. Despite my efforts to update my contact information and direct communications to my current residential address, TransUnion persists in mailing confidential documents to this outdated location. This is not only unacceptable and irresponsible, but also constitutes a serious breach of privacy. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) TransUnion may be unlawfully disclosing my consumer report information to unauthorized parties by sending sensitive documents to an outdated and unverified mailing address.

15 U.S.C. 1681c-1 ( Identity Theft Prevention and Fraud Alerts ) TransUnions failure to verify current address information before sending sensitive material compromises consumer protections against identity theft, and undermines the very fraud prevention provisions outlined in the FCRA.

15 U.S.C. 1681e ( b ) ( Accuracy and Integrity of Consumer File ) TransUnion has failed to maintain reasonable procedures to ensure the accuracy and integrity of consumer file information, including proper handling and delivery of correspondence.

15 U.S.C. 1681i ( a ) ( Reinvestigation o
f Disputes ) If any of these communications involve ongoing disputes or reinvestigations, sending them to an incorrect address may violate the requirement to properly and promptly respond to consumer disputes.

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 2025-05-21 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 


NEGATIVE ACCOUNTS : CLOSED : XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$1200.00} XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX EquifaxXXXX XX/XX/XXXX TransUnionXXXX XXXX  XX/XX/XXXX EquifaxXXXX XX/XX/XXXX TransUnionXXXX XX/XX/XXXX Equifax

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 2025-05-21 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: NC

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


NEGATIVE ACCOUNTS : CLOSED : XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$1200.00} XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX EquifaxXXXX XX/XX/XXXX TransUnionXXXX XXXX  XX/XX/XXXX EquifaxXXXX XX/XX/XXXX TransUnionXXXX XX/XX/XXXX Equifax

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 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
A AFFIRM ACCOUNT WAS OPENED UP PREVIOUSLY IN MY NAME AND I SENT THEM THE POLICE REPORT AND THEY SENT ME A EMAIL SAYING BASICALLY THAT I AM STILL RESPONSIBLE FOR THE DEBT AND MY CREDIT REPORT WOULD BE AFFECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
According to FCRA section 605b it is illegal to report anything on my credit report without my permission Please remove this negative item Thank you

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