vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-21 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: TX

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

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 non-monetary relief
Consumer complaint received 2025-03-21 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: AL

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested adjustment to my reporting to the three credit agencies. I have XXXX late payments on my XXXX XXXX, account # XXXX. And XXXX late payments on my XXXX loan XXXX. Since XXXX of 2024, I have not had a single missed payment on my XXXX loan account. 

Because of my otherwise good payment history over my previous year, I would like you to please consider removing the negative payments from my credit report. At the time of the late payments, i was placed on bed rest due to an unexpected XXXX, not only did i catch XXXX XXXX while XXXX  causing me to be very ill, my XXXX  was also diagnosed with XXXX  ( which I have proof of hospital and doctor visitations ) Around XXXX  months of XXXX. In XXXX I had to XXXX  give XXXX  to a XXXX  XXXX. I was unemployed for XXXX months behind all of these complications. Once I was able to return back to work my on times payments resumed. I say that not to justify why the payments were late, but rather to say that the late payments are not a good indicator of my actual historical credit worthiness due to uncontrollable circumstances. I hope that XXXX XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I am currently in the process of buying my first home after finishing XXXX school in XXXX of this year and these late payments are the only detrimental items currently reflected on my credit report. Learning to manage credit properly has been a core part of adulthood for me and I was relieved and happy to be able to rescue both of my accounts with 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 2025-03-21 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: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Mortgage paid in FULL per closing statement, NEVER late. Look at my payment history. Every month was paid on time from origin of mortgage in XX/XX/XXXX until closing in XX/XX/XXXX. 

Mr. Cooper suffered a data breach exposing XXXX and blocking access to their systems for weeks in XXXX. Thus, my regularly scheduled payment for XXXX could not be paid. I received multiple email /written communication from the company assuring customers that no adverse credit reporting would occur due to their data breach. 

Despite the breach and the havoc this non-reputable company has unleased ( please research their business practices in the multiple class action lawsuits ), I obtained a closing statement from them for a home sale already in progress. They subsequently received the full payment/ payoff prior to date on their closing statement. Then after showing my account as paid off on XX/XX/XXXX, my credit report was updated in XX/XX/XXXX as 30 days late. 

Various attempts to contact Nationstar XXXX Mr. Cooper have been thwarted by digital voice and online systems. They prevent access for customers with paid accounts from speaking directly to a live human employee. Nonetheless, I have submitted online forms directly with Mr. Cooper and contacted the credit agencies for dispute resolution. Each time the " investigation '' is boiler plate and no actual research is completed to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
They saying my credit score is different than my main XXXX XXXX XXXX and is lower that the company Saying and they not reporting 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 explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
-move out was on XX/XX/XXXX -keys were handed to property XXXX on XX/XX/XXXX XXXX was not requested to do a final walkthrough before leaving the property. 
-receive a bill in XXXX for carpet damages but there was nothing beyond normal wear and tear with the carpets. 
-reached out via email about bill, I was ignored XXXX said my moveout was on XX/XX/XXXX in which I was at the hair salon and XXXX my storage unit the entire day so they falsified move out documents to get more money. 
-reached out in XXXX about payments that were possibly owed, ignored -originally lease was not renewed because of my XXXX XXXX ANIMAL which I had documentation for and was in the works of getting vaccinated -original recertification documentation was LOST and the RECERTIFICATION office did admit that it was lost. 
-failure to fix A/C unit in a timely fashion in the summer time ( XX/XX/XXXX ) -mold underneath the floor paneling due to the dishwasher leaking which a maintence call was put in for. 
-without a microwave for WEEKS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-21 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: NC

Complaint narrative:
Mortgage paid in FULL per closing statement, NEVER late. Look at my payment history. Every month was paid on time from origin of mortgage in XX/XX/XXXX until closing in XX/XX/XXXX. 

XXXX XXXX suffered a data breach exposing Pii and blocking access to their systems for weeks in XXXX. Thus, my regularly scheduled payment for XXXX could not be paid. I received multiple email /written communication from the company assuring customers that no adverse credit reporting would occur due to their data breach. 

Despite the breach and the havoc this non-reputable company has unleased ( please research their business practices in the multiple class action lawsuits ), I obtained a closing statement from them for a home sale already in progress. They subsequently received the full payment/ payoff prior to date on their closing statement. Then after showing my account as paid off on XX/XX/XXXX, my credit report was updated in XX/XX/XXXX as 30 days late. 

Various attempts to contact XXXX XXXX XXXX XXXX have been thwarted by digital voice and online systems. They prevent access for customers with paid accounts from speaking directly to a live human employee. Nonetheless, I have submitted online forms directly with XXXX XXXX and contacted the credit agencies for dispute resolution. Each time the " investigation '' is boiler plate and no actual research is completed to resolve the issue.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I requested adjustment to my reporting to the three credit agencies. I have Two late payments on my Auto Loan, account # XXXX. And 6 late payments on my Signature loan XXXX. Since XXXX of XXXX, I have not had a single missed payment on my Auto loan account. 

Because of my otherwise good payment history over my previous year, I would like you to please consider removing the negative payments from my credit report. At the time of the late payments, i was placed on bed rest due to an unexpected XXXX, not only did i catch XXXX XXXX while XXXX  causing me to be very XXXX my XXXX  was also XXXX with XXXX  ( which I have proof of XXXX XXXX XXXX XXXX  ) Around 6 months of XXXX. In XXXX I had to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was unemployed for 2-3 months behind all of these complications. Once I was able to return back to work my on times payments resumed. I say that not to justify why the payments were late, but rather to say that the late payments are not a good indicator of my actual historical credit worthiness due to uncontrollable circumstances. I hope that Suncoast Credit Union is willing to work with me on erasing these marks from my credit reports. 

I am currently in the process of buying my first home after finishing XXXX XXXX  in XXXX of this year and these late payments are the only detrimental items currently reflected on my credit report. Learning to manage credit properly has been a core part of adulthood for me and I was relieved and happy to be able to rescue both of my accounts with Suncoast Credit Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
my tax refund was deposited into my PayPal account and they closed my account the following day without alerting me within XXXX hours. I have a life and XXXX children and its my moneyyy! for a balance of {$22.00} that was noticed on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: IN

Complaint narrative:
On or about XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX Offered to settle file XXXX {$5000.00} for XXXX payment of {$500.00}. I have the offer. I sent them {$500.00} in compliance to settle this debt. I sent it in a manner as to know they recd. it. I noted on the payment method what it was for and the terms. They cashed the certified check and now they are trying to collect {$4500.00} after the fact. I have all documentation! I am no longer obligated to this debt as I have settled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX 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 : Account Name : XXXX XXXX  Account number : XXXX Account Name : XXXX XXXX  Account number XXXX Federal - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 theftandfraud.

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 2025-03-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX 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 : Account Name : XXXX XXXX  Account number : XXXX Account Name : XXXX XXXX  Account number XXXX Federal - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 theftandfraud.

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 2025-03-21 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: NY

Complaint narrative:
XX/XX/2023. {$2500.00} was withdrawn from my CashApp by XXXX XXXX XXXX 
I called CashApp and my bank and they couldnt resolve the matter or refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX hese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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