vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, and Transunion ) credit report and I noticed some late payments on there. 

Original Creditor : XXXX  XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give your company written permission to furnish these late payments on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
I am filing a complaint with the CFPB due to the fact that I have previously disputed fraudulent accounts that appear on my credit report with TransUnion directly and have not received any written confirmation or response of the investigation. I hope this matter will be taken seriously this time.

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 2025-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, home was hit by a tornando and uninhabitable. Loan was with XXXX at the time and forbearance applied for and granted. Loan was with underwriting to change terms of loan due to natural disaster & FEMA zone. Loan was transferred to Mr. Cooper/Nationstar Mortgage LLC on XX/XX/XXXX. When contacting Mr. Cooper, I was informed the loan is in good standing and that it is with their underwriters to update the loan. In XX/XX/XXXX, the loan was updated and trial period started on XX/XX/XXXX and lasting through XX/XX/XXXX to update the terms of the loan terms. I have continued speaking with Mr. Cooper throughout the process multiple times per month and receive the same information, the loan is in good standing, in trial period and no action needed other than continued payments for the trial period.

I have made all 3 trial period payments before the due dates and it is in good standing. The home is also now being repaired as insurance claim paid in XX/XX/XXXX. 

As of today, there was a reported late payment for Mr. Cooper. Each time I contact Mr. Cooper, I am informed there are no payments due since XX/XX/XXXX when loan was transferred except the trial period payments which have all been made on-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Alco Capital Group, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : account number ending in : XXXX NOTICE TO CEASE AND DESIST Pursuant to 15 USC 1692c ( c ) ATTN : To whom it may concern, I, Executor of XXXX XXXX , have become aware of multiple violations of Consumer Credit Protections Laws by ALCO Capital Group LLC

in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, and harassment in connection with the collection of the alleged debt. Pursuant to 15 USC 1692c and 15 USC 1692g ( b ), I disputed the alleged debt, and I am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. Send an audit trail pursuant to 5 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of agreement, ledger of the account, The XXXX of my profile with the creditor and anything else relating to the consumer for review and validation : XXXX out the balance and delete all accounts held by debt collector from all consumer reporting agencies.

Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertains to the validation of the alleged debt or remedy for violations that occurred. Any further communication with the consumer MUST be in writing, delivered via mail to the mailing address above.

Again, this a notice pursuant to the Fair Debt Collection Practices Ace ( FDCPA ),, failure to honor the demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall : a ) Be taken as tacit agreement to the claims set forth, b ) Grant the consumer all demanded remedies, and c ) May result in litigation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) assignees who are debt collectors are responsible for the actions of those collecting on their behalf. Citing Pollice, 225 F.3d at 404-05. ) Respectfully, XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, DATE OPENED XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, DATE OPENED XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, DATE OPENED XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX, Account number XXXX, AMOUNT XXXX, DATE OPENED XX/XX/XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  -- {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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 so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C XXXX XXXXXXXX, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. CXXXXe XXXX, not XXXX credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-03-02 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C XXXX XXXXXXXX, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. CXXXXe XXXX, not XXXX credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: MS

Complaint narrative:
The FCRA is non negotiable, you do not get to pick and choose which accounts you get to delete. The FCRA mandates that all information on my credit report must be accurate verifiable. Therefore this account for XXXX XXXX XXXX must be deleted immediately.

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 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I don't have specific dates, only that it was in XXXX and early XXXX. I do have the routing and account numbers It was my checking account and my XXXX daughter who I was representive payee for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX XXXX, Acct ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 Regulation E. These actions XXXX  caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: PR

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but CREDIT BUREAU has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me.

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response.

For these reasons, I request immediate action to block and remove this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: MO

Complaint narrative:
After years of working hard to building your XXXX XXXX credit karma gives you a deceiving XXXX XXXX. 
I applied for a loan based upon credit karma 's XXXX XXXX. Example credit karma told me I had a score of XXXX, yet when I applied for a loan it came back only XXXX. I then took a hit against my credit after working tirelessly to get my XXXX XXXX up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
Subject : Formal Dispute and Demand for Removal of Fraudulent/Inaccurate Information Due to Data Breach To Whom It May Concern : I am writing to formally dispute all information on my credit report ( report number : [ insert report number, if available ] ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and to request the immediate removal of fraudulent or inaccurate data resulting from a confirmed data breach. My personal information, including Social Security number, financial accounts, and other sensitive data, was exposed in a breach of XXXX, XXXX, Equifax, Transunion, XXXX, XXXX  XXXX XXXX and and XXXX XXXX XXXX XXXX This breach has placed me at significant risk of identity theft and financial harm. Under FCRA 605B, you are required to block the reporting of any information identified as resulting from identity theft upon receipt of valid documentation. Additionally, FCRA 611 grants me the right to dispute inaccurate or unverifiable information. All data on my report must be investigated, as the breach compromises the reliability of any information tied to my identity. I demand the following actions : Remove or block all fraudulent, inaccurate, or unverifiable information from my credit report resulting from the breach. Notify all relevant furnishers ( e.g., lenders, creditors ) of the disputed items, as required by FCRA 623. Provide me with a revised copy of my credit report and confirmation of corrections. Place a free extended fraud alert on my file for seven years under the FCRA and the Fair and Accurate Credit Transactions ( FACT ) Act. Enclosed Documentation ( Certified Copies Do Not Return ) : Copy of my government-issued ID. Proof of the data breach Failure to comply with FCRA obligations may result in legal action, including claims for damages under 1681n. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and [ State Attorney Generals Office ]. Please confirm receipt of this dispute in writing within 5 business days and complete your investigation within 30 days, as required by law. For urgent resolution, I also request a security freeze on my credit file under the FACT Act to prevent unauthorized access. Sincerely, CC : Consumer Financial Protection Bureau ( CFPB ) | Federal Trade Commission ( FTC ) | [ State Attorney General, if applicable ]

Company response to consumer: Closed with explanation