vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: NY

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 non-monetary relief
Consumer complaint received 2025-04-07 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: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit bureaus ( Experian, TransUnion, Equifax ) 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.

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 2025-04-07 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: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit bureaus ( Experian, TransUnion, Equifax ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
They denied my claim of over {$9000.00} to a company called XXXX XXXX. They said there was no error however I did not make these charges. And they keep giving me a runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TN

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$8500.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$2900.00} XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$950.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX  - XXXX - XX/XX/XXXX - {$7100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$940.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$830.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$380.00} XXXX - XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$380.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/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 2025-04-07 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-07 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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 several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: AR

Complaint narrative:
I have recently received a letter from XXXX XXXX  XXXX department stating that my personal information regarding a previous loan was sent to another individual compromising my identity. The letter stated that all previous mortgage information would be removed from my credit reporting as a result. This information was removed from my XXXX report. It has not been removed from my experian report. I demand that this information be removed from my experian report due to XXXX 's failure to protect my information. The account in question is XXXX XXXX  XXXX  XXXX. XXXX XXXX  improperly disclosed my personal identifying and mortgage information to an unauthorized third party. This violates the Fair Credit Reporting Act ( FCRA ) under 1681s-2 ( a ) and ( b ) due to failure to report accurate information and failure to correct it after I raised concerns. It also violates the Gramm-Leach-Bliley Act ( GLBA ) for failing to safeguard my personal financial data. I am requesting immediate removal of the XXXX-related information 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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX through Barclays I agreed to free trial of a XXXX service that would renew each year started on XX/XX/XXXX Cost XXXX I provided my credit card that expired on XX/XX/XXXX. ( From memory ) To be used for renewals As a matter of practice I use credit cards for automatic renewals. I do this so if don't remember a service that is being charged to me, it will be flagged once the card expires and I will be asked to update my card information to continue the service. 
As it turned out I never used the service after the free period and it was my bad I did not cancel it So there were valid charges made through XX/XX/XXXX But when XXXX came around I found a charge on XX/XX/XXXX on an expired card I contacted Barclays to get the charge removed and they denied the request. 
Now when I was issued a new card due to expiration it had the same card number but different expired date ( XX/XX/XXXX ) and different security code The data provided to me by Barclays from the merchant had the following information about the order Card holder. My name Expiry date. XX/XX/XXXX XXXX. Not supplied Postal code and address match Now I don't own any card with that expiration date So I asked Barclays how they accepted a charge from a merchant that did not have the correct expiration date They said it is their practice to allow this! 

As far as I am aware the expiration date is required information when attempting a transaction I believe it is Barclays responsibility to protect the security of my account and I believe their acceptance of this transaction violates that trust. 

I am also not sure how it is okay for the merchant to create a transaction and enter a expiry date that is not the one on the card they have on file. 
As long as I am venting... Barclays requires callers to consent to being recorded when talking with them, I am fine with this, but they will not consent to you recording the same conversation. Is this a valid policy for a company in the financial industry? 

T Sincerely

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
Square deactivated my account and is withholding funds. There was no reason to deactivate the account. Now they are saying I have to wait 90 days to get my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I am submitting this complaint due to inaccurate and unverified late payments being reported on my credit file for the account XXXX XXXX XXXX  XXXX. These late payments were never communicated to me nor verified with any supporting documentation. 

I have never been late on this account. No evidence has been provided to justify these derogatory remarks, and I have already submitted a formal dispute on XXXX XXXX XXXX, which is attached to this complaint and clearly dated and time-stamped. 

Furthermore, your agency has violated several provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681i ( 6 ) : Failure to provide reinvestigation results within the required timeframe. 

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy across all consumer reporting. 

15 U.S.C. 1681b ( e ) ( 6 ) : Failure to ensure uniform reporting standards across CRAs. 

I am requesting the immediate removal of the reported late payments for XX/XX/year> and XX/XX/year>, and that the account be updated to reflect Paid as agreed Never late.

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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America sent a courier is what she stated she was with paperwork on the past due credit cards XXXX x within XXXX days to my home, to give me copies of the statements of the current past due amounts. This appears to me that are violating the Fair Privacy Act. 
Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX phone # 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 2025-04-07 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: TX

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 2025-04-07 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MOHELA
State: VA

Complaint narrative:
The account in question has been forgiven through an approved student loan forgiveness program. However, it is currently still being reported as Open, Deferred, and reflecting an upcoming payment date in XX/XX/year>, which is inaccurate and misleading. 
Account Information : Servicer : MOHELA Borrower : XXXX XXXX SSN ( Last 4 Digits ) : XXXX Forgiveness Status : Loan Forgiven

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
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 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 2025-04-07 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
In 2006 my home was purchased for {$88000.00}, my home mortgage has been sold several times in the excess of four times, if my memory serves me correctly. I am current on all payments. Recently, my mortgage was sold once again to Shellpoint Mortgage. During an inquiry I asked what is the payoff amount for my home and I was told {$120000.00}. I have been in my home for 19 Years and I owe {$38000.00} more than the original purchase price.

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 2025-04-07 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX Balance {$120.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX  XXXX VIA DEALER Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX  VIA DEALER Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX, Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX   Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX VIA DEALER Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX VIA DEALER Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX VIA DEALER Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief