vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My accounts with XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX  are all inaccurate. I sent a letter via certified mail on XX/XX/XXXX to all of these companies requesting specific documentation of payments made and missed payments. XXXX XXXX  reported updated information indicating items were in dispute on XXXX, although on XXXX, they indicated items were resolved by grantor. On XX/XX/XXXX they indicated items are again in review. They have altered one missed payments made from XXXX of XXXX to on time, then put it back to 30 days past due the following day, failing to address any issues. Further, all companies have not provided the information requested as of today XX/XX/XXXX. And I have nothing in the mail from any of these companies today in my usps preview. Please delete all past due accounts given the lack of response.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My accounts with XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all inaccurate. I sent a letter via certified mail on XX/XX/XXXX to all of these companies requesting specific documentation of payments made and missed payments. XXXX card reported updated information indicating items were in dispute on XXXX, although on XXXX, they indicated items were resolved by grantor. On XX/XX/XXXX they indicated items are again in review. They have altered one missed payments made from XXXX of XXXX to on time, then put it back to 30 days past due the following day, failing to address any issues. Further, all companies have not provided the information requested as of today XX/XX/XXXX. And I have nothing in the mail from any of these companies today in my usps preview. Please delete all past due accounts given the lack of response.

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 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Jefferson capital systems claims i owe a debt to XXXX but i do not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Line Financial, PBC
State: MD

Complaint narrative:
Since XX/XX/XXXX, the BEEM app would not allow me to withdraw cash advances yet continues to withdraw subscription fees. I continued to reach out to them via email since XX/XX/XXXX and kept them abreast of the issues even speaking verbally with a representative at times as well as reiterating the fact that I want the subscriptions to end and discontinue my membership ( as stated in their " Terms and Conditions. However, as of XX/XX/XXXX and after requesting a refund in the amount of {$32.00}, they have refused to refund the fees due to " Terms and Conditions '' per their statement, they have a new bank and that I needed to re-link my account, and further claimed my issue ticket was resolved. Lastly, if you look at their online reviews in the " XXXX XXXX XXXX '', you will see that this company has a longstanding history of ripping off customers with the same behavior. Illegal and unacceptable. Something must be done to protect consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
In XXXX, I got a title loan from 1st Franklin here in XXXX XXXX, XXXX loan amount was somewhere around XXXX complaint is that I pay XXXX per month and just recently found out that only XXXX goes toward that loan and the rest is going toward interest.I was not aware nor was I informed that only half of my payments is going towards the actual bill.I think this is total corruption and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX I sent a letter to the 3 credit reporting agencies : Transunion, Experian and Equifax. I received a response from Transunion. I did not receive a response from Equifax or Experian. Transunion indicated they made changes to the account I disputed, I don't see any changes.

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 2025-07-12 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:
On XX/XX/XXXX XXXX XXXX I sent a letter to the 3 credit reporting agencies : Transunion, Experian and Equifax. I received a response from Transunion. I did not receive a response from Equifax or Experian. Transunion indicated they made changes to the account I disputed, I don't see any changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
According to the FCRA 15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay debt the debt collector must cease all communication. The debt collectors listed below are the companies that I have tried disputing and always came back verified with no proof of how they verified the debt was mine. 
Debt Collector : XXXX XXXX XXXX Account number XXXX Amount : {$3600.00} Address XXXX, CA XXXX Debt Collector : XXXX XXXX XXXX Account Number XXXX Amount : {$1200.00} Address XXXX XXXXXXXX MN XXXX Debt Collector : XXXX XXXX XXXX Account Number XXXX Amount {$720.00} Address XXXX XXXXXXXX MN XXXX Debt Collector : XXXX XXXX XXXX Account Number XXXX XXXX Address XXXX XXXX, MN XXXX Amount {$1800.00} XXXX XXXX XXXX Account Number XXXX Amount {$530.00} Address XXXX, SC XXXX Debt Collector : XXXX XXXX XXXX XXXX Amount {$1000.00} Account Number XXXX Address XXXX, VA XXXX. These are the debt collectors reporting inaccurately to my credit report never had debt with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: MO

Complaint narrative:
Only XX/XX/XXXXXXXX XXXX XXXX XXXX reported a balance on my credit report after my XXXX  was XXXX causing my scored to drop XXXX points. The company is aware and has been given discharge papers but still reported a balance on my credit report. Transunion has been made aware of this but has not taken the extra steps to remove the inaccurate information. Also, XXXX XXXX  is reporting inaccuate dates on the payments. I was never late to being with. It was a system problem on their end that was never corrected.

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 2025-07-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/XXXX To Whom It May Concern : Subject : Formal Dispute of Fraudulent Accounts & Request for Immediate Deletion Due to XXXX Equifax Data Breach I am writing to formally dispute multiple fraudulent and inaccurate accounts that have been reported on my credit report. These accounts are not mine and are directly connected to the XXXX Equifax data breach, during which my personally identifiable information ( PII ) was compromised. I am also filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the severity of the issue and your legal obligations under federal law. 



These fraudulent accounts are listed in a sworn complaint I have filed with the Federal Trade Commission ( FTC ), and I am demanding that all such accounts be removed from my credit file within four ( 4 ) business days from the date of your receipt of this letter, as they are the result of identity theft and unauthorized use of my personal information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are legally required to ensure that all information furnished in consumer reports is accurate and verifiable. Specifically : 15 U.S.C. 1681i ( a ) ( 5 ) requires that unverifiable or inaccurate items be promptly deleted from a consumers file.

15 U.S.C. 1681c-2 also allows a consumer to request the blocking of information resulting from identity theft.

As ruled in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), credit reporting agencies have a duty to conduct a reasonable reinvestigation and may be held liable for failing to do so.

In Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), the court held that CRAs can be held accountable under the FCRA for willfully failing to correct or remove inaccurate information.

I am invoking my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), and I demand the immediate deletion of the following inaccurate accounts, which are directly associated with the aforementioned breach and identity theft : Attached to this letter are the following documents for your review : Copy of my government-issued photo ID Proof of databreach Copy of the FTC Identity Theft Report If you fail to remove the inaccurate information from my credit file within four ( 4 ) business days as requested, I will be forced to escalate this matter through legal channels, including filing a complaint with the CFPB, the FTC, and my state attorney general. I also reserve the right to pursue a civil action for damages pursuant to 15 U.S.C. 1681n and 1681o.

This letter serves as formal notice. Govern yourselves accordingly. 



Sincerely, 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 2025-07-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/XXXX To Whom It May Concern : Subject : Formal Dispute of Fraudulent Accounts & Request for Immediate Deletion Due to XXXX Equifax Data Breach I am writing to formally dispute multiple fraudulent and inaccurate accounts that have been reported on my credit report. These accounts are not mine and are directly connected to the XXXX Equifax data breach, during which my personally identifiable information ( PII ) was compromised. I am also filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the severity of the issue and your legal obligations under federal law. 



These fraudulent accounts are listed in a sworn complaint I have filed with the Federal Trade Commission ( FTC ), and I am demanding that all such accounts be removed from my credit file within four ( 4 ) business days from the date of your receipt of this letter, as they are the result of identity theft and unauthorized use of my personal information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are legally required to ensure that all information furnished in consumer reports is accurate and verifiable. Specifically : 15 U.S.C. 1681i ( a ) ( 5 ) requires that unverifiable or inaccurate items be promptly deleted from a consumers file.

15 U.S.C. 1681c-2 also allows a consumer to request the blocking of information resulting from identity theft.

As ruled in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), credit reporting agencies have a duty to conduct a reasonable reinvestigation and may be held liable for failing to do so.

In Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), the court held that CRAs can be held accountable under the FCRA for willfully failing to correct or remove inaccurate information.

I am invoking my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), and I demand the immediate deletion of the following inaccurate accounts, which are directly associated with the aforementioned breach and identity theft : Attached to this letter are the following documents for your review : Copy of my government-issued photo ID Proof of databreach Copy of the FTC Identity Theft Report If you fail to remove the inaccurate information from my credit file within four ( 4 ) business days as requested, I will be forced to escalate this matter through legal channels, including filing a complaint with the CFPB, the FTC, and my state attorney general. I also reserve the right to pursue a civil action for damages pursuant to 15 U.S.C. 1681n and 1681o.

This letter serves as formal notice. Govern yourselves accordingly. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
This is on Apple Card which is services by Goldman Sacks. I paid the account in full when I received the bill with XXXX payment. They wanted me to put all my bank account information on line to pay but I was not comfortable with that. I sent a paper check which they received but it took time to get through their system so they charged me XXXX interest. I call them and said that this was their mistake and i should not have been charged, they said that there was nothing that they could do. They reported this to all three credit bureaus and my credit score went down XXXX points. This is outrageous that they would do this to me when I paid the account in full. They should have wave the XXXX, but when they wouldn't I ask if I could just pay this over the phone with my credit card and they said no, they did not accept credit card payments that I had to put my bank account information online and pay it that way. There is a cash credit on my account for XXXX that they could have use to pay the interest, but they did not instead they reported me the the credit bureaus. I have been a long time customer with Apple and I feel like this is very bad customer services. I have never missed a payment with them in XXXX  years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Acrisure Mortgage Partners, LLC
State: VA

Complaint narrative:
Essentially I've applied several times through FBC mortgage to lower my mortgage payments as I fell behind after I lost my job. I was unemployed for XXXX  months and my ex-wife ( whose only on the deed ) declined to help with payments. I accumulated XXXX in delinquency. 

My payments have increased from purchase in XXXX from approximately {$3000.00}, to now $ XXXX the latest loan modification as of XX/XX/XXXX, is an offer asking to push my intrest rate from XXXX to XXXX and increase the mortgage to {$4400.00}, but wipes out the delinquency. 

This does not help me at all however as ill be back in the same situation even though im now employed again. But I may be forced to accept this offer as I hold a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
They need to stop sending me letters from cyberscout! They need to stop!

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly tried to update my name with Equifax. I have uploaded my id card and social security card and nothing has worked. My name is NOT XXXX XXXX XXXX XXXX it is XXXX XXXX or XXXX XXXX XXXX and that is it.

Company response to consumer: Closed with non-monetary relief