vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: MA

Complaint narrative:
I recently review a copy of my credit report, and i'm seeing some fraudulent accounts that i have no idea about, they hurting me on getting credit on anything

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Upon viewing my most recent consumer report, I discovered bankruptcies that should not be present. Having recently studied relevant laws, I found that this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy. These bankruptcy entries should not appear on my credit report, and you have released my personal information without my consent. This situation is completely unacceptable, as I am a victim of identity theft. Please be aware that you may be both criminally and civilly liable for these violations. If this complaint is not handled appropriately, I will pursue legal action against your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-11 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: VA

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 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 2025-03-11 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: PA

Complaint narrative:
Transunion failed to have creditors verify account. Information on report incorrect. Collections are continuing to update accounts although there sold

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 2025-03-11 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: FL

Complaint narrative:
I am writing to bring to your attention that I am cognizant of the unlawful practices you have been employing, wherein you consistently respond to consumer disputes and challenges with generic form letters, regardless of the specific details provided by the individuals. It is imperative to note that such actions are in clear violation of 15 U.S. Code 5 1681i, which mandates that each dispute and challenge must be individually addressed based on its own merits. The letters I have submitted were generated utilizing software that is readily accessible to all. In the event that you fail to address my letters accordingly, it would signify a violation of my consumer rights. I perceive this disregard as a deliberate transgression against my rights, and thus, I intend to seek legal counsel to initiate appropriate legal measures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Hello, I have received several calls from Midland Credit Management in regard to an " alleged debt '' for the amount of {$4300.00}. I have received mail from them however, there was no legitimate debt validation from them to me to ensure I was the appropriate party responsible for these " alleged debts ''. I furthermore received letters stating that they had threaten to send to litigation however, I still challenged the legitimacy of their claim. I will need debt validation, which I will list in the next section, and I will also attach a debt verification letter for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent 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 non-monetary relief
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
Discovering that Ive been a victim of identity theft has been an incredibly stressful and frustrating experience. My personal information was misused, leading to unauthorized accounts appearing on my credit reportaccounts I have no knowledge of or connection to. Following the proper steps, I immediately filed a report with the Federal Trade Commission, as advised by Experian, and submitted the necessary documentation to address these fraudulent entries. Despite my efforts, these items still remain on my report, negatively affecting my financial standing.

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 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a cashiers check today into my account and I was told by the teller my check would be on hold for 8 days when I asked why he said he doesnt know, If its a cashiers check that means the funds was already cleared so why would be held for that long. By my funds not being available thats going to cause my account to overdraft which would result in the bank charging my {$36.00} for each transaction.

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 2025-03-11 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: FL

Complaint narrative:
Experian will not update my credit report correctly. They do everyone except XXXX XXXX and XXXX All the other credit companies update as soon as its sent over to them. Not experian for some reason

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 2025-03-11 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: TX

Complaint narrative:
Equifaxs response to my dispute is inadequate and fails to resolve my concerns. The company claims to have verified the disputed accounts, yet they have not provided any documented proof of their verification process or the specific evidence used to confirm the accuracy of the information.

Key Issues with Equifaxs Response : 1. Failure to Provide Method of Verification ( MOV ) FCRA Violation ( 611 ( a ) ( 7 ) ) Under FCRA 611 ( a ) ( 7 ), Equifax is required to disclose the specific method used to verify my accounts, including the name, address, and contact information of the furnisher.

Equifax has not provided this information, preventing me from verifying whether the investigation was properly conducted.

2. Continued Reporting of Inaccurate Information Despite my dispute, Equifax continues to report inaccurate and unverifiable information that I have formally contested.

This has caused financial harm, including credit denials, increased borrowing costs, and damage to my credit reputation.

3. Failure to Conduct a Reasonable Investigation FCRA Violation ( 611 ( a ) ( 1 ) ( A ) ) Equifax appears to have relied solely on automated responses from furnishers instead of conducting a true, independent investigation.

A reasonable investigation requires Equifax to review supporting documentation, not just accept the furnishers response without question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The account was closed in XXXX but the payments are all up to date and current. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
The account was closed in XXXX but the payments are all up to date and current. 
XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app I lost my phone or left it on top of my vehicle somebody was able to withdrawl almost XXXX XXXX dollars using cash app when I realized what was happening I told cash app to block whoever was doing it they said they did but they did not. I lost close to XXXX XXXX dollars because of their negligence. Then I disputed transactions and they said they were all valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
1 This communication has several dates.

I started a claim on XX/XX/XXXX. 
I have been trying to obtain legal tender to REPLACE the DAMAGED roof.

This XX/XX/XXXX will be a TWO YEAR anniversary.

The more it rains the more internal damage the water causes.

There seems no response.

2 The other issue is they claim a shortage or a deficiency within the escrow account.

They have not provided any type of justification for such, under the 12 CFR Part 1024 - Real Estate Settlement Procedures Act ( Regulation X ) 1024.17 Escrow accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-11 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: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
On XX/XX/XXXX, XXXX and XXXX 2025- my credit was ran with inquiries from Barclays Bank Delaware , XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. 
My email address was compromised and several of my social media accounts where hacked- along with XXXX XXXX XXXX XXXX XXXX uber XXXX XXXX  etc..

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 2025-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Chrysalis Holdings LLC
State: GA

Complaint narrative:
I am a XXXX XXXX XXXX, 30 year, XXXX XXXX  of the XXXX. I am also rated by the XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX for multiple service connected health issues. Less than one month after Co-President XXXX effectively shut down the CPFB, I received letters from NewDay USA offering CASH OUT OFFER FOR XXXX XXXX XXXX XXXX XXXX. Included on the front of the envelope was " The VA has granted NewDay automatic authority. A meaningless sentence, yet using the guise they were authorized by the XXXX Another disturbing fact, the name on the letters matched exactly my information in the VA database. I use my middle initial and sub title XXXX ONLY in my official military and veterans records. Again on XX/XX/XXXX, I received an additional letter from NewDay offering the same misleading " approved by VA '' on the letterhead. Both letters also use in the return address the name of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. ). XXXX XXXX passed away in XXXX. It would be interesting to see his survivors reactions upon notification that NewDay USA is using the Admirals name as validation of their malpractices. I researched NewDay USA, and found in XXXX, the CPFB had fined the company {$2.00} XXXX to the victims fund of the CPFB. ( XXXXXXXX XXXX XXXXnewday-usa-XXXXXXXX ) for its deception in their loan practices, which are remarkably similar to the letters I have received. I believe they went into action the week XXXX shut down your agency fearing no retribution for their past deceit of veterans and XXXX XXXX members.military. I can supply the Bureau with original or copies of the letters. Since they are sent per-sorted post paid, there are no date stamps, another tactic to deceive without verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-03-11 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am currently in the process of applying for a loan that is essential for my financial goals, and as part of the application process, the lender requires verification of my credit history. However, my credit report is currently frozen, which is preventing the lender from accessing the necessary information to complete the application. Without access to my credit report, I am unable to proceed with the loan approval process, which is causing a significant delay in fulfilling my financial needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon viewing my most recent consumer report, I discovered bankruptcies that should not be present. Having recently studied relevant laws, I found that this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy. These bankruptcy entries should not appear on my credit report, and you have released my personal information without my consent. This situation is completely unacceptable, as I am a victim of identity theft. Please be aware that you may be both criminally and civilly liable for these violations. If this complaint is not handled appropriately, I will pursue legal action against your organization.

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