vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
Experian, Equifax, and TransUnion has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-25 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: MN

Complaint narrative:
I have recently discovered that there are multiple instances of fraud with the mortgage that originated through XXXXXXXX XXXX XXXX XXXX XXXXXXXX, which ended up being " serviced '' by XXXXXXXX XXXX. The fraud i have discovered involves : 1. Grammatical fraud, impersonating and misrepresenting two jurisdictions ; Uniform Code of Military Justice ( UCMJ ) and Uniform Commercial Code ( UCC ) via the original loan paperwork and statements now issued by XXXX XXXX  This is fraud and is a felony. 

2. The Note itself is not on the Public Record and is missing the endorsement stamps. This is fraud.

3. My credit reports do NOT reflect the loan made by XXXXXXXX XXXX XXXX XXXXXXXX Consultants at all. My credit reports only reflect XXXX XXXX XXXX  XXXX, of whom i have no contract with. In fact, there is no mention of this entity whatsoever on any of the mortgage documents. This is fraud. 

4. The only thing on the public record is a copy of the mortgage, not the original wet ink mortgage, with the Note. This is fraud.

5. I have checked the XXXX system for the activity and is shows " inactive. '' This is verification that the loan has been paid off. 

6. The cost of the loan as provided by XXXXXXXX XXXX XXXX XXXXXXXX XXXX, is understated by over {$20000.00}. The law provides that they must come within {$100.00} or there is reason to discharge the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MN

Complaint narrative:
I have recently discovered that there are multiple instances of fraud with the mortgage that originated through XXXX XXXX XXXX XXXX XXXX, which ended up being " serviced '' by XXXXXXXX XXXX. The fraud i have discovered involves : 1. Grammatical fraud, impersonating and misrepresenting two jurisdictions ; Uniform Code of Military Justice ( UCMJ ) and Uniform Commercial Code ( UCC ) via the original loan paperwork and statements now issued by XXXXXXXX XXXX. This is fraud and is a felony. 

2. The Note itself is not on the Public Record and is missing the endorsement stamps. This is fraud.

3. My credit reports do NOT reflect the loan made by XXXXXXXX XXXX XXXX XXXXXXXX XXXX at all. My credit reports only reflect XXXXXXXX XXXX XXXX XXXXXXXX, of whom i have no contract with. In fact, there is no mention of this entity whatsoever on any of the mortgage documents. This is fraud. 

4. The only thing on the public record is a copy of the mortgage, not the original wet ink mortgage, with the Note. This is fraud.

5. I have checked the XXXX system for the activity and is shows " inactive. '' This is verification that the loan has been paid off. 

6. The cost of the loan as provided by XXXXXXXX XXXX XXXX XXXX  CXXXX, is understated by over {$20000.00}. The law provides that they must come within {$100.00} or there is reason to discharge the loan.

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 2025-03-25 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: MN

Complaint narrative:
I have recently discovered that there are multiple instances of fraud with the mortgage that originated through XXXXXXXX XXXX XXXX XXXXXXXX XXXX, which ended up being " serviced '' by XXXXXXXX XXXX. The fraud i have discovered involves : 1. Grammatical fraud, impersonating and misrepresenting two jurisdictions ; Uniform Code of Military Justice ( UCMJ ) and Uniform Commercial Code ( UCC ) via the original loan paperwork and statements now issued by XXXXXXXX XXXX. This is fraud and is a felony. 

2. The Note itself is not on the Public Record and is missing the endorsement stamps. This is fraud. 

3. My credit reports do NOT reflect the loan made by XXXX XXXX  XXXX XXXX Consultants at all. My credit reports only reflect XXXXXXXX XXXX XXXX XXXX, of whom i have no contract with. In fact, there is no mention of this entity whatsoever on any of the mortgage documents. This is fraud.

4. The only thing on the public record is a copy of the mortgage, not the original wet ink mortgage, with the Note. This is fraud.

5. I have checked the XXXX system for the activity and is shows " inactive. '' This is verification that the loan has been paid off. 

6. The cost of the loan as provided by XXXXXXXX XXXX XXXX XXXX XXXX, is understated by over {$20000.00}. The law provides that they must come within {$100.00} or there is reason to discharge the loan.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections onXXXX XXXXXXXX XXXX After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile. 

please confirm in writing that you will remove the charge-off/collection from my credit report with all major credit bureaus ( Experian, Equifax, and TransUnion ). 

Thank you for your time and consideration. I look forward to your positive reply and am eager to resolve this matter amicably. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
I am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections onXXXX XXXXXXXX XXXX After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile. 

please confirm in writing that you will remove the charge-off/collection from my credit report with all major credit bureaus ( Experian, Equifax, and TransUnion ). 

Thank you for your time and consideration. I look forward to your positive reply and am eager to resolve this matter amicably. 

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 explanation
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

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 2025-03-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I purchased airline tickets for four family members through American Express Travel department. Those tickets were cancelled by their partner airline XXXX XXXX for the return flight. When I called for a resolution they informed me I can cancel my current flight, get a full refund, and then book another return flight. 

I double checked to make sure it is ok. Agent assured me. I instructed them to start to process of refund with XXXX XXXX and I booked another flight. I was supposed to get the refund in 3-4 days. I have followed up with them since last 6 months and there is still no resolution.

Last update I got was that I got {$400.00} back for one of the passengers from XXXX XXXX. I have tried to be patient and told them to check call logs. They confirmed my initial call with the agent who verified full refund but are refusing to return my money. XXXX XXXX have also not sent us any refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: HI

Complaint narrative:
CASH APP STOLE MY BITCOIN! I HAVE BEEN LOCKED OUT AKA " FROZEN '' FROM ACCESS TO MY BITCOIN STORED IN CASH APP ( CURRENTLY VALUED AT ( {$160000.00} ) SINCE XX/XX/XXXX. 

When I attempt to make XXXX deposits into my Cash App, I'm given a message that says : " This feature is not available at the moment. '' When I attempt to Buy/Sell XXXX on Cash App, I'm given a message that says : " We were unable to complete this transaction at this time. Please try again later. '' I have made several attempts to get the issue resolved with Cash App customer support via chat messages with their support team via the app, email, as well as to speaking with them on the phone. On one of the attempts to resolve the issue by phone, I was hung up on by one of their customer support members. I was given a case number and was told that this matter would be escalated to the appropriate team, and that I would be notified via email when they have an update and/or provide me with the next steps. I was then sent an email from a person named XXXX w/ Cash App XXXX XXXX XXXX XXXX XXXX said " Unfortunately we're unable to provide further information regarding this issue and will be closing your case. '' On XX/XX/XXXX, I hand wrote a letter and sent it to XXXX XXXX describing my issue and received an email on XX/XX/XXXX from XXXX XXXX XXXX Cash App Services Team that said " My name is XXXX XXXX and I am a manager with Cash App. I am reaching out in reference to the letter we received on XX/XX/XXXX regarding your account. We appreciate your patience while we process your request for assistance. I'll reach out directly to our specialty team so they can help you with this. Is this the best email address to reach you at? Thank you again for your patience. '' I never did receive an email from anyone with their customer support team and it's been over a year. 

On XX/XX/XXXX, my attorney at XXXX XXXX XXXX sent them an Asset Demand Letter and gave them a deadline to respond, and there was NO RESPONSE FROM CASH APP. 

On XX/XX/XXXX I attempted to sell my XXXX on the Cash App at that time valued at {$160000.00} and the transaction failed. I was once again given the message " We were unable to complete this transaction at this time. Please try again later. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
Hello. Please know that I take my credit seriously, and I'm deeply concerned about the errors I saw on my credit report. These mistakes are causing me stress and it's also impacting my ability to secure new credit. Ive worked hard to build my credit, and its frustrating to see it negatively affected by inaccuracies that arent my fault. There are even mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair, and I need it corrected immediately to prevent further damage. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the validity of the collection account you have reported to the credit bureaus, allegedly related to XXXX XXXX XXXX XXXX. CREDIT COLLECTION SERVICES is currently violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] by reporting and attempting to collect a debt that has not been properly validated.

Violations of My Consumer Rights : Under 15 U.S.C. 1692g, I have the right to request debt validation, and you are required to provide the following : 1. Proof that I am legally obligated to pay this debt.

2. Documentation of the original creditors agreement authorizing you to collect on their behalf.

3. A complete breakdown of the amount owed, including fees or additional charges.

4. Proof that you are legally licensed to collect debt in my state.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), you are prohibited from reporting inaccurate or unverifiable information to the credit bureaus. Your failure to validate this debt while continuing to report it to XXXX, XXXX, and XXXX constitutes an unlawful act. 

Under 15 U.S.C. 1692e, it is illegal to use deceptive or misleading practices in debt collection. Reporting unverified or inaccurate debt damages my creditworthiness and constitutes a direct violation of my rights under federal law.

I dispute the validity of this debt in its entirety.

I demand that all collection activities cease immediately under 15 U.S.C. 1692c ( c ) until proper validation is provided.

If you fail to verify this debt, you are required by law to remove this account from my credit report immediately. 

Any further communication regarding this matter must be in writing only. I am prepared to take legal action for violations of federal law if necessary. 

You are required to respond within 30 days from the date of receipt of this letter. Please send all correspondence to my mailing address you have on file. 

Sincerely, [ 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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: AZ

Complaint narrative:
I am writing to formally dispute inaccurate and derogatory information reported by Equifax on my credit report concerning XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the accuracy of information it reports. Specifically, Section 605 ( b ) mandates that credit reporting agencies remove disputed inaccurate information within four business days if the information can not be verified. The derogatory entries on my report regarding XXXX XXXXl remain unverified and false, despite my previous disputes. 

These errors have directly prevented me from purchasing a home and securing financial stability. This persistence in incorrect reporting constitutes a violation of my rights under FCRA Sections 605 ( b ), 607 ( b ), and 611, which protect consumers from inaccurate and harmful credit information. 

I demand that Equifax immediately remove all inaccurate and derogatory entries regarding XXXX XXXX and provide me with a corrected credit report within four business days. Failure to resolve this matter may result in further legal action to ensure compliance and protect my rights under federal law.

Attached are supporting documents for your review. 

Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: NC

Complaint narrative:
XX/XX/year> I called all 3 credit bureaus twice -they have no record of any freeze 's because when I went to buy a mobile phone there is a freeze on my credit. I just bought furniture last 2 months. I never placed a freeze on my accounts. 
The only place that I have communicated with is Credit Karma. the gentleman asked for information to sign me up for disputes with charges on my credit ( never gave my social security number ) however I always receive emails from Credit Karma about my credit. 
The gentleman on the phone did not indicates they charged for this service, I immediately declined. He seemed upset. This call was on XX/XX/year>. 
How can I get this information off of my credit whereby it can be pulled. 
I'm a senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I have been a victim of identity theft. The fraudulent inquiry listed in this letter must blocked from TransUnion credit bureau. 


Identify inquiries resulting from identity theft that should be blocked or deleted. 

XXXXXXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, 2025

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief