vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Furnishing Consumer Reports To Persons without a Permissible purpose or Legitimate Business Reason To : Whom it may concern These companies are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 


Experian 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 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  without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my Experian, Equifax, and TransUnion consumer reports on the dates listed above without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which
the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 

I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer 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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Opened an account with citibank after XXXX weeks they closed and freeze my funds.. not gotten any information just said they will maillot a check XXXX days

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding cash apps handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using cashapp numerous times and reporting discrepancies, my financial institution and cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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. 

I demand the late payment reported to be removed/updated.

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 2025-03-04 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: IL

Complaint narrative:
TransUnion investigated XXXX XXXX XXXX my account they determine that it was fraudulent information and the information was to be deleted and it wasXXXX. After I provided the identity, theft report from the FTC. However the information ended up back on my report XX/XX/year>XXXX  I then submitted another report at the end of XXXX to the CFPB The fraudulent information was again removed on XX/XX/year>XXXX  now the information has been back on my report again for the third time as of XX/XX/year> and they are now refusing to remove This fraudulent information.This is a violation of my rights under the FCRA. This is the 3rd time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2025-03-04 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 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 explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate late payment entries reported on my credit file with XXXX. After reviewing my credit report, I identified multiple discrepancies that do not reflect my actual payment history. These errors are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which mandates that furnishers of credit information report only accurate data. 
Legal Basis for My Dispute : 1. Failure to Maintain Accuracy FCRA 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure that credit information is accurate and complete. Reporting inaccurate late payments violates this requirement.

2. Permissible Purpose Violations FCRA 15 U.S.C. 1681b : The incorrect reporting of late payments constitutes an unauthorized negative impact on my credit profile, which is not aligned with permissible purposes. 
3. Liability for Willful Noncompliance FCRA 15 U.S.C. 1681n : If XXXX fails to correct these errors upon receiving this dispute, I reserve the right to seek civil liability for damages caused by inaccurate credit reporting. 

Requested Actions : Delete or Correct Inaccurate Late Payments : If no verifiable evidence supports the late payments, they must be removed immediately. 
Provide Verification : If you believe the reporting is accurate, provide documented proof of each late payment, including transaction records and billing statements.

Update My Credit Report : If you can not verify the late payments, update my account status to Paid as Agreed to reflect the correct information.

Disputed Information:XXXX XXXX XXXX  ; I have never been late XXXX. XXXX XXXX XXXX ; I have never been late XXXX. XXXX XXXX XXXX ; I have never been late XXXX. XXXX XXXX XXXX ; I have never been late XXXX. XXXX XXXX XXXX XXXX  ; I have never been late XXXX. XXXX XXXX XXXX  ; I have never been late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: VA

Complaint narrative:
I recently reviewed my credit report and discovered fraudulent accounts and inaccurate reports. These errors are negatively impacting my ability to obtain credit. Please investigate and remove these fraudulent accounts from my 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 explanation
Consumer complaint received 2025-03-04 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:
Im dealing with incorrect information on my report that is unfairly affecting my scores and blocking my opportunities. Its frustrating to be penalized for errors beyond my control.

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 2025-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been contacting the 3 credit reporting agencies Equifax Experian and Transunion to inform them I have been a victim of identity theft I also sent over supporting documents such as my government issued Drivers License and A copy of my Social Security Card with written statements informing them of the cruel intentions done on my credit report. I also sent over a Certified Affidavit of Truth as well as Certified Cease and Desist to all 3 reporting agencies Equifax Experian and Transunion I also have been compromised in the data breach as well and there has been no satisfying updates to my report even after going through all the measures to prove I'm not responsible for the collections I'm not responsible for all the hard and or soft inquiries I'm asking that these things be fixed for attribution is next because this has caused a hardship I can't apply for anything with my credit being damaged it has made me living wise hard to obtain housing for me and my XXXX daughter I'm asking for help to get these things adjusted and fixed so I can return to society in peace knowing no one can attack me or harm me again I also see a eviction reflecting on my reports as well and I have never been associated with the address for the eviction please I need help

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 2025-03-04 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: IN

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: IN

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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 2025-03-04 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 requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I attempted to use the Affirm card to make a purchase with XXXX  XXXX and the purchase would not go through because the card address or zip was invalid. I used the card at another vendor XXXX to make the purchase. The charge for the XXXX  XXXX is still on my account and they are refusing to remove it or verify anything with XXXX  XXXX. No purchase was made and this should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: PA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit report to suffer due to Equifaxs negligence. My credit report contains multiple unauthorized credit inquiries that I did not approve, and their presence is damaging my financial profile. The disputed inquiries include XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. 

Federal law ( 15 U.S.C. 1681i ) clearly requires Equifax to conduct a thorough reinvestigation of disputed information within 30 days. If these inquiries can not be 100 % verified with proof of my authorization, they must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
There are multiple unauthorized debts under my name and credit report that are affecting me in negative ways when I dont know anything about how these debts got accumulated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
the clerk of the united states bankruptcy court confirmed they do not report any information to credit bureaus. however transunion has been reporting a bankruptcy on my credit report. i have disputed this and transunion sent me a letter stating the dispute was verified as accurate. who verified this information if the united states bankruptcy does not report, or verify this information. this investigation has also not provided me with how and who the account was verified by. This is a formal request for the validation of the following entries on my credit report, which may be inaccurate. Please confirm that these entries are correct and belong to me. This letter is being issued in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), to notify you that the claim has been disputed and validation is required

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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I opened up an XXXX XXXX XXXX XXXX. With synchrony bank. I was told my promotion was until XX/XX/XXXX. Just logged in and looked at activity because I noticed that my account balance was much higher than it shouldve been. 

When I called into their company last XXXX or XXXX, I was told I have until XX/XX/XXXXXXXX  to pay this off to not be charged interest. 

I had about {$600.00} remaining on my balance and theyve charged me so far {$1600.00} on that. And Ive asked them to remove that interest and just let me pay off my balance of the {$600.00}. They have refused to do that. Theyve never contacted me about when my promotion within when I called in. They told me again XX/XX/XXXX. 

Another thing is theyve been charging me XXXX dollars a month every month for a paper statement which I have never received one time. They also told me and I have on recording that they emailed these statements out as well. Which is a lie I have not received a statement even through email. 


So far they charge me about {$1600.00} on my balance of {$600.00}.

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 explanation
Consumer complaint received 2025-03-04 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: CO

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. 
After reviewing my report, I have identified accounts that I believe contain errors. I request an immediate investigation and correction of the following open accounts : XXXX XXXX XXXX A Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$960.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$9000.00} Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of consumer reports. If these accounts can not be verified as accurate, I respectfully request their removal from 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed my credit reports and noticed fraudulent activity. Listed below are the accounts unauthorized as I have no knowledge of these accounts. 

Credit Card Account name : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Address identification number XXXX Account number XXXX 

Auto loan : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address identification number XXXX Account number 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
My current mortgage company is XXXX. 
I went in to a forbearance plan about a year or ago because of XXXX related issues. My income became stable recently and I was able to resume payments so I applied for a modification, because I didnt have enough savings built up to cover payments I was behind. Ultimately I was denied for modification even though I qualified under their list of qualifications. But thats not where the problem began. 
I had a good amount of equity in my home so I applied for a Heloc loan. I was approved and my loan closed XX/XX/2025 funds wired same day. XXXX is where it gets interesting. XXXX claims there wasnt enough money sent to cover the amount I was behind on my mortgage : Even though I have a final closing statement along with proof of wire transfers totaling {$57000.00} But XXXX  has only applied {$39000.00} to my account. My online account still shows a negative escrow balance of - {$3800.00} but In reality there should be a surplus of over {$10000.00}. I have been calling and trying to explain for to 2 weeks. 
They have created several ticket numbers But of no use. I have been transferred to multiple departments from escrow to collections and also to their own Heloc department. Which by the way was the only department to admit they see the wire transfer of {$57000.00} total. 
I am following g this complaint to get other eyes on the problem.

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