vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
Dear CFPB, I am writing to dispute the reporting of a charge-off account by XXXX XXXX, which continues to appear on my credit report despite the resolution of the matter through the court system. I previously settled this debt, and as part of the court agreement, it was stated that the account would be deleted from my credit reportnot updated as a charge-off. 

Despite this, XXXX XXXX has reported the account as a charge-off rather than removing it completely, as was agreed upon and confirmed through the court. I was assured this account would be deleted following settlement, and the court documentation supports that. 

I respectfully request that this matter be investigated and that XXXX XXXX be required to comply with the agreed-upon terms by removing the account from all credit reporting agencies. The current reporting is inaccurate and does not reflect the resolution that was legally established. 

Account Information : Creditor Name : XXXX  XXXX Disputed Item : Charge-off status ( should have been deleted per court agreement ) I have attached any supporting documentation I have available and prior communication. 

Thank you for your assistance in helping correct this 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 2025-04-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB, I am writing to dispute the reporting of a charge-off account by XXXX XXXX, which continues to appear on my credit report despite the resolution of the matter through the court system. I previously settled this debt, and as part of the court agreement, it was stated that the account would be deleted from my credit reportnot updated as a charge-off. 

Despite this, XXXX XXXX has reported the account as a charge-off rather than removing it completely, as was agreed upon and confirmed through the court. I was assured this account would be deleted following settlement, and the court documentation supports that. 

I respectfully request that this matter be investigated and that XXXX XXXX be required to comply with the agreed-upon terms by removing the account from all credit reporting agencies. The current reporting is inaccurate and does not reflect the resolution that was legally established. 

Account Information : Creditor Name : XXXX  XXXX Disputed Item : Charge-off status ( should have been deleted per court agreement ) I have attached any supporting documentation I have available and prior communication. 

Thank you for your assistance in helping correct this 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 2025-04-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear CFPB, I am writing to dispute the reporting of a charge-off account by XXXX XXXX, which continues to appear on my credit report despite the resolution of the matter through the court system. I previously settled this debt, and as part of the court agreement, it was stated that the account would be deleted from my credit reportnot updated as a charge-off. 

Despite this, XXXX XXXX has reported the account as a charge-off rather than removing it completely, as was agreed upon and confirmed through the court. I was assured this account would be deleted following settlement, and the court documentation supports that. 

I respectfully request that this matter be investigated and that XXXX XXXX be required to comply with the agreed-upon terms by removing the account from all credit reporting agencies. The current reporting is inaccurate and does not reflect the resolution that was legally established. 

Account Information : Creditor Name : XXXX  XXXX Disputed Item : Charge-off status ( should have been deleted per court agreement ) I have attached any supporting documentation I have available and prior communication. 

Thank you for your assistance in helping correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Benht: Economic Development Corporation
State: MI

Complaint narrative:
This company uses military service as a basis on whether to approve or deny loans. Based on relevant laws, including civil rights acts, scra, fair credit reporting act, and other applicable lending laws, this company is directly discriminating against members of the US Military and their spouses and dependents. They use whether a person is currently an active member of the military as a determining factor of whether or not the loan is approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report. 
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 non-monetary relief
Consumer complaint received 2025-04-06 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: FL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Interest rate
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
When I took out the mortgage I negotiating a 5 % cap on interest. At closing the selling agent was in another state but was on the phone walking me through the documents that showed that 5 % cap. Im being charged 7 % and the company is using another paragraph to justify their position. My two documents were supposed to over ride that paragraph. They completely ignore my docs and try to make them seem to say something they do not, if they are correct and im wrong then im a victim of predatory financing because I was assured numerous times through the loan process I would have a 5 percent cap. My document states 5 % libor and the othe states 5 % fixed. The company is carrington mortgage XXXX XXXX XXXX XXXX XXXX XXXXXXXX my account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX dob XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: MO

Complaint narrative:
This is my second time disputing these items, so I will not create a new cfpb claim since nothing has changed, this will be taken ligitation I wont have a company leave items on my report that does not belong to me, I will again attach a report of my first cfpb dispute letter and my identification card to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: PA

Complaint narrative:
I opened and account on XXXX with {$500.00} on XX/XX/year> to try out cryptocurrency investing and bought some products. They required a credit card or direct bank account access and I chose to use my debit visa thinking it would be safe. 

Twice in XXXX and once in XXXX someone accessed my account and transferred {$5000.00} each time from my bank account to my XXXX account, immediately bought {$5000.00} worth of bitcoin, and transferred it to another account on the matter of seconds.i immediately cancelled my card and reported the unauthorized transactions to XXXX XXXX When I discovered the thefts I couldn't access the account and it took several days with XXXX support too get access back and when I did the account balance was XXXXThere has been no resolution from XXXX or XXXX since

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This information was added to all my credit reports. This is not my credit behavior or my account. They will not send me a validation letter with my wet signature because they dont have one. I have disputed this and no results. Below is what they report on my reports. 

Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XXXX Status Collection account. {$2.00}, XXXX past due as of XXXX XXXX 
Status updated XXXX XXXX Balance {$2000.00} Balance updated XXXX  Recent payment - Monthly payment - Original balance {$2000.00} Highest balance - Terms 1 Month On record until 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I continuously request for this information to be removed from my credit profile. It is not my account and invalid by evidence provided by debt holder. The company claims to instruct it to be listed as disputed per correspondence but it is listed as negative and verified. My question is how is a bill requesting an estimated usage amount of a closed account and accurate description of debt owed,?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TN

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Account number : XXXX This letter is sent in response to your recent communication regarding an alleged debt. Please be advised that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Accordingly, I am formally requesting that you cease all further communication with me regarding the alleged debt referenced in your correspondence. I am also disputing the validity of this debt and requesting verification as provided under 15 U.S.C. 1692g ( b ). Please provide : The amount of the alleged debt ; The name of the original creditor ; Proof that I am legally obligated to pay the alleged debt ; A copy of any judgment ( if applicable ) ; Verification that your agency is authorized to collect this debt.

You are also notified that any further communication from your agency that does not fall within the narrow exceptions under the law will be considered a violation of federal law and may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General.

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 2025-04-06 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: GA

Complaint narrative:
Dispute of Unauthorized Information Disclosure Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing or obtaining of my consumer information by your agency. Therefore, any information contained within my credit report that has been obtained or provided without my explicit written consent is inaccurate and in violation of federal law. Upon reviewing my credit report, I have noticed entries that suggest my information has been furnished or obtained without my authorization. I have not authorized any entity to share or request my consumer information with your agency. As such, any entries attributed to me that are a result of such unauthorized disclosures must be promptly removed from my credit report. 
Under penalty of perjury I swear this account is false and misleading : 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 kindly request that you conduct a thorough investigation into the origin of the information in question and provide documentation proving that proper written consent was obtained as required by law. If you are unable to provide such documentation, I request the immediate removal of the disputed entries from my credit report. Furthermore, I demand that you cease and desist from further unauthorized inquiries into my consumer information without my explicit written consent, as required by 15 USC 1681. Please provide me with a written response detailing the actions taken to rectify this matter within 30 days of receiving this dispute letter, as mandated by the FCRA. Failure to comply with these requests may result in legal action being pursued to protect my rights under federal law. Thank you for your prompt attention to this matter. 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 2025-04-06 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:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-04-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 explanation