vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: OR

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-18 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: NY

Complaint narrative:
XXXX XXXX includes some inaccurate personal information please review the relevant documents that have my correct details

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 2025-03-18 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: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code XXXX ( Civil Liability for Willful Noncompliance ), 15 U.S. Code XXXX ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code XXXX ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. XXXX ( XXXX ). 
Properly correct billing errors as per TILA, 15 U.S. Code XXXX ( b ). Late payments marked inaccurately must be updated to reflect " paid on 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 2025-03-18 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: IL

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts and am unfamiliar with their origins. As per USC XXXXg, I am requesting their removal within 15 days. Please find the enclosed documents for reference. Furthermore, there are inconsistencies in account details across the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
My loan under XXXX via Affirm was sent to collections. I reached out to the collection agency XXXX XXXX and made a payment arrangement to settle for less for the amount of XXXX. That payment was made then XXXX XXXX provided me with a letter stating the account had been paid in settlement and sent to Affirm for Affirm to update my credit report. Affirm is now saying I still owe XXXX and that it was not settled even though Ive provided them with documentation from XXXX XXXX stating it was. Affirm keeps giving me the run around stating they can't take payment as I have offered to even just pay the XXXX to be done with this. Affirm states I have to call XXXX XXXX and make a payment with them but when I call XXXX XXXX they view this matter as resolved already with them and won't take payment either as they view the account as settled. Affirm should accept the letter and update my credit to show this account has been paid in settlement with a XXXX balance showing. Right now it's still on my credit showing open and XXXX due. 

This is the letter Affirm just sent me after waiting two weeks for them to review. 

Hello, This is XXXX from Affirm Customer Care. I totally understand that you're looking for an answers regarding with this concerns. No worries, I'll be more than glad to assist you. 

Upon reviewing, I can see that you have a loan under XXXX ( Loan ID : ). the payment already reflected coming from the collection amount of {$55.00}. Additionally, you still have a remaining balance of {$36.00} Loans that are more than 120 days past due - can be sold to other companies. You were sent an email notifying you of the sale of your loan. Because of the sale, Affirm can no longer accept payments for this loan. You'll need to contact the new account owner XXXX XXXX at XXXX and work with them to pay off the balance. 

If you have any questions or concerns, please contact us through the Affirm Help Center at affirm.com/help or call us at XXXX between the hours of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days a week. 

Thank you and have a wonderful day! 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: MI

Complaint narrative:
The court sent a letter stating : The clerks Office is in receipt of your inquiry the reporting of credit information. The United States Bankruptcy for the the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies nor do we update information directly to the credit bureau ( from the court ) Also affidavits of Fact Truth pleading

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 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: FL

Complaint narrative:
I paid {$1300.00} plus {$40.00} fee for the money to come out immediately for my rent payment on XX/XX/XXXX Then a week later I get a 3-day notice that I had to pay {$1400.00} by the XXXX because they didn't receive not a single XXXX XXXX XXXX XXXX from the first payment so I paid my rent for a second time a week later on XX/XX/XXXX Now I don't care about getting this refund if we could just figure out where the money went and make it go to where it's supposed to go

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: DE

Complaint narrative:
I just reviewed my credit report and noticed some inquiries I dont recognize. Im really XXXX  because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need. Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to meXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: AutoBank Financial, LLC
State: IL

Complaint narrative:
Filed A Dispute With The Company They Failed to Investigate The Dispute I Called & Spoke With They XXXX XXXXXXXX & Was Told It Would Be Took Off My Credit Report Because I Filed For Bankruptcy But Its Still On My Credit Report & I Requested A XXXX and they failed To Provide Me With That Information The Car Been Sold And They Failed To Update Any Information I Ask That It Be Removed From My Credit Report Immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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 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 2025-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
had over five cards opened under my name and i did not authorize them or allow my ex wife to open them along with her boyfriend. now all cards are affecting my credit score they wont remove them even though i paid them off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
It has been reported that my personal and financial information was compromised with out my authorization.

The FERPA Act protects the confidentiality of student records. This breach is a clear violation or the FERPA Act is their responsibility to safeguard my information.

Give the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: VA

Complaint narrative:
On Credit Karma, I was told I had " very good '' approval odds for a XXXX payday advance loan from XXXX. After a lot of back and forth, and submitting the requested information over a week, I was declined in an informal email. 

On top of it, it said in print my " credit score would not be affected if I did not qualify. '' It was affected and by over XXXX points. 

I would either like this reversed, or wish to take legal action against Credit Karma. I will also be filing reports on other consumer sites to warn people like me. 

When I tried to email or contact someone, www.creditkarma.com has no email or number you can call to inquire about this false claim. This seems highly unethical to me. Can someone please investigate this? 

Now on top of not getting the loan I needed, my credit was affected. This should be against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MRS BPO, LLC
State: IL

Complaint narrative:
My loan under XXXX via XXXX was sent to collections. I reached out to the collection agency MRS BPO and made a payment arrangement to settle for less for the amount of XXXX. That payment was made then MRS BPO provided me with a letter stating the account had been paid in settlement and sent to XXXX for XXXX to update my credit report. XXXX  is now saying I still owe XXXX and that it was not settled even though Ive provided them with documentation from MRS BPO stating it was. XXXX keeps giving me the run around stating they can't take payment as I have offered to even just pay the XXXX to be done with this. XXXX  states I have to call MRS BPO and make a payment with them but when I call MRS BPO they view this matter as resolved already with them and won't take payment either as they view the account as settled. XXXX should accept the letter and update my credit to show this account has been paid in settlement with a XXXX balance showing. Right now it's still on my credit showing open and XXXX due. 

This is the letter XXXX just sent me after waiting two weeks for them to review. 

Hello, This is XXXX from XXXX XXXX XXXX. I totally understand that you're looking for an answers regarding with this concerns. No worries, I'll be more than glad to assist you. 

Upon reviewing, I can see that you have a loan under XXXX ( XXXX ID : ). the payment already reflected coming from the collection amount of {$55.00}. Additionally, you still have a remaining balance of {$36.00} Loans that are more than 120 days past due - can be sold to other companies. You were sent an email notifying you of the sale of your loan. Because of the sale, XXXX can no longer accept payments for this loan. You'll need to contact the new account owner XXXX XXXX at XXXX and work with them to pay off the balance. 

If you have any questions or concerns, please contact us through the XXXX XXXX XXXX at XXXX.com/help or call us at XXXX between the hours of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX days a week. 

Thank you and have a wonderful day! 

Best RegardsXXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-18 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: NJ

Complaint narrative:
Equifax had just reduced my credit by XXXX points, after my complaint recently against these improper actions they have now reduced my score another XXXX points all within the same month. I have not paid anything late in over 12 months.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Entrata Inc.
State: CA

Complaint narrative:
On XX/XX/year> I applied to a apartments complex and was quickly denied despite some of my delinquent accounts being completely paid off. 

The real issue was that when I saw my credit report I was unable to find information on disputing the report. Once an agent was contacted she was also hnable to find information on how to properly submit a dispute. The issues were pertaining XXXX XXXX and its parent company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
I have previously opened up disputes with Transunion, Equifax and Experian as well as the creditors listed below in regards to accounts reporting information under my name in which I have no knowledge of. I've requested for the this information to be verified and I don't consent to e-oscar. These creditors have yet to provide me with the alleged account XXXX XX/XX/XXXX amount {$300.00}, FB & XXXX XX/XX/XXXX XXXX {$0.00}, XXXX XX/XX/XXXX amount {$170.00}, XXXX XXXX XX/XX/XXXX amount {$200.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX {$610.00}, XXXX XX/XX/XXXX {$300.00} XXXX XXXX  XX/XX/XXXX amount {$200.00} and XXXX XXXX  XXXX XX/XX/XXXX amount {$1500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation