vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My husband and I applied for a loan through XXXX XXXX. They requested a credit report specifically from Equifax, but they couldn't obtain it due to it being locked. We spent hours on multiple calls with Equifax, discovering that my birth date and address were incorrect, among other issues. Despite our efforts, we couldn't get an Equifax credit report but obtained one from another agency showing my credit score in the low XXXX. My husband 's score was significantly better. 

This discrepancy is puzzling because we're married, share property deeds, and have joint accounts with all our financial institutions. About five years ago, our credit ratings were in the XXXX. Since then, we've continued using credit cards, paying bills, and even took out and repaid a small loan. We've done nothing to negatively impact our credit, and I don't understand why my report differs so much from my husband 's given our shared accounts. 

The main issue now is that Equifax requested copies of my driver 's license and Social Security card to confirm my identity and address. In late XX/XX/year>, we sent clear copies of both sides of my license and SS card via express mail, along with additional documents confirming my current address, name, and birth date. Equifax signed for the package. However, we received a letter dated XX/XX/year>, claiming the documents were illegible and requesting the same information again. The documents we sent were clear and legible. 

I haven't called them again because previous interactions have been unhelpful. Each representative seems to provide different answers to the same questions, appearing to read from a script rather than addressing our specific situation. 

This experience highlights the challenges in dealing with credit bureaus and the potential discrepancies in credit reporting between spouses, even when they share financial responsibilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : US BKPT CT GA XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The company is reporting INACCURATE, INCOMPLETE, AND UNVERIFIABLE information on my credit report. BANKRUPTCY SHOULDNT BE ON CREDIT/CONSUMER REPORT, THE COURTS DO NOT REPORT THIS TYPE OF ACCOUNT, IT VIOLAES MY RIGHT TO PRIVACY ; AND THIS ALSO VIOLATES PERMISSIBLE PURPOSES OF CONSUMER REPORT, I NEVER GAVE THE REPORTING AGENCY OR ANY THIRD PARTY WRITTEN CONSENT TO REPORT THIS ON MY CONSUMER REPORT! ACCORDING TO THE IRS, CHARGE-OFFS ( WRITE OFF TO PROFIT/LOSS ) ARE CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON A CONSUMER REPORT. 
I submitted a dispute via mail addressing the issues that I felt were inaccurate, incomplete and unverifiable I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
The company is reporting INACCURATE, INCOMPLETE, AND UNVERIFIABLE information on my credit report. BANKRUPTCY SHOULDNT BE ON CREDIT/CONSUMER REPORT, THE COURTS DO NOT REPORT THIS TYPE OF ACCOUNT, IT VIOLAES MY RIGHT TO PRIVACY ; AND THIS ALSO VIOLATES PERMISSIBLE PURPOSES OF CONSUMER REPORT, I NEVER GAVE THE REPORTING AGENCY OR ANY THIRD PARTY WRITTEN CONSENT TO REPORT THIS ON MY CONSUMER REPORT! ACCORDING TO THE IRS, CHARGE-OFFS ( WRITE OFF TO PROFIT/LOSS ) ARE CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON A CONSUMER REPORT. 
I submitted a dispute via mail addressing the issues that I felt were inaccurate, incomplete and unverifiable I have not received a response.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Last month, I discovered that a previously unreported credit account suddenly appeared on my Equifax and XXXX credit reports, yet it is absent from my XXXX file. This unexpected appearance of the account raises serious concerns about its legitimacy. Upon reviewing the reports, I found significant discrepancies in how the account is presented between the two bureaus : Account Name and Number Differences : On Equifax, the account is listed under the name XXXX XXXX XXXXl with the Account Number unknown. On XXXX, the same account is reported under the name XXXX XXXX with Account Number XXXX. 
Timing of Reporting : This account was not present on any of my credit files before last month, indicating that it was added without my knowledge or authorization. 
Additional Reporting Inconsistencies : In addition to the differences in the account name and number, the two reports show further discrepancies in the reported payment history and creditor information. These variances suggest that the information is unverifiable and possibly fraudulent. 
The inconsistent and unauthorized appearance of this account violates the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 611 requires that any disputed or unverifiable information must be promptly deleted from a consumers credit report. In addition, FCRA Section 623 mandates that furnishers provide only accurate and verifiable data, while FCRA Section 604 restricts the reporting of credit inquiries and accounts to those with a legally permissible purpose. The conflicting details between Equifax and XXXX indicate that the information being reported is inaccurate and unverified, which has already adversely affected my credit profile. 
I have attached copies of the relevant Equifax and XXXX reports as supporting evidence of these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Hi! 

I am trying to remove PMI on my mortgage early. I purchased XX/XX/XXXX for {$570000.00}. Mortgage remaining is {$500000.00}. I called XXXX XX/XX/XXXX and Mr. Cooper informed me ( I have a recording ) that I can obtain my own appraisal to increase the value of my home, email it to them, and they will remove the PMI. I also asked if that was the only requirement and I was told that was it. So XX/XX/XXXX I paid {$500.00} for an appraisal ( showing value of {$690000.00} well under the 80 % threshold ) and sent it to XXXXCooper on XXXX XX/XX/XXXX. They replied that they received it XXXX XX/XX/XXXX. I called XXXX XX/XX/XXXX to check on the status of the PMI removal since the next payment is XXXX XX/XX/XXXX and I don't want to pay any PMI now since I requested the update. 

I was then informed that I do not meet the 12 months of good payment history and the appraisal must be ordered through Mr. Cooper and not by myself. I asked about a refund and the representative did not agree to a refund. Additionally, I asked about the payment history requirements. The representative said I had 30 day late payment for XXXX and XX/XX/XXXX and do not meet the 12 months of good payment history and to try again in XXXX. 

The XXXX late payment was known to me however I believe it was corrected. This mortgage has the escrow payment built into the overall payment. XX/XX/XXXX the overall payment increased from {$3900.00} to {$4100.00}. I made the XX/XX/XXXX payment of {$4100.00}, then paid {$3900.00} in XXXX by mistake ( and not realized until XX/XX/XXXX ). I then sent the correct payment XX/XX/XXXX of {$4100.00}. I saw late payments pop up in my credit report XX/XX/XXXX and saw it was late and XXXX XX/XX/XXXX paid the correct payment of {$4100.00} and any remaining balance from the previous months. During this time, I was not aware of this issue and received no notice from Mr.Cooper about any missed payment. Informed delivery from XX/XX/XXXX to XX/XX/XXXX show no letters being received by the USPS for delivered to my house. 

When I called Mr. Cooper they told me the XXXX payment was 30 days late and the XXXX payment covered that. Then the XXXX payment covered the XXXX payment. The credit bureau show only XXXX was 30 days late. I then requested they correct the missed payment since everything is now caught up and it was a escrow change. I believe they corrected it for XX/XX/XXXX because my credit reports show no 30 day late notice for XX/XX/XXXX and on time payments for every other month ( included XXXX ). However I have not received any written notice of their conclusion ( which they said would be sent within 30 days of XXXX XX/XX/XXXX ) Optimal Resolution : I would like the PMI to be removed and not have to make any more PMI payments. Then take responsibility for taxes and insurance and never have to call Mr.Cooper again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted Experian, Equifax, and TransUnion and disputed several accounts on the report that were inaccurate and not validated. Disputed XXXX each time they said the accounts were validated but they never provided any information that I requested like a signed agreement between me and the said creditor or valid proof that the debt belonged to me. They continued to report the inaccurate information preventing me from being approved for loans and renting an apartment.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I filed an identity fraud complaint, which permanently removed a fraudulent XXXX XXXX XXXX account from my credit report. This account, which had an alleged balance of approximately {$14000.00}, was removed after it was determined to be the result of identity theft. Despite the confirmed deletion, I recently discovered it had been reinserted into my credit report without any notification or proper investigation. 

I had taken the appropriate steps by filing the initial identity fraud complaint ( CFPB Complaint ID XXXX ), which was closed on XX/XX/year>. The reappearance of this account is a clear violation of the Fair Credit Reporting Act, as it should have remained permanently deleted. I have not received any correspondence explaining this reinsertion, nor have I been allowed to dispute it again through the proper channels. 

Due to these issues, I am now escalating the matter and requesting that the account be permanently removed in compliance with FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sports & Imports Auto
State: GA

Complaint narrative:
My final payment for my XXXX XXXX XXXX was made on XX/XX/XXXX. I was told when I called a month prior to verify that the final payment was on that date, that I had one more payment to make on XX/XX/XXXX. When I called on XX/XX/XXXX to find out why I hadn't been charged, my account manager informed me that I had made the final payment the week prior and the title would be mailed out shortly. 

On XX/XX/XXXX the car was totaled. I was informed a week later that I would need the title for insurance, and called on XX/XX/XXXX to find out why I hadn't received the title, and why a late payment of over 30 days was listed on my credit. I was informed that the title should be on the way and they would remove the negative remarks on my credit. 

I have called multiple times a week since, and have been offered excuses such as the title clerk is on holiday, my account manager is not in the office, or, even more baffling, that this is a common issue for them to send the wrong information to the credit agencies and that when I dispute it, they will be sure to remove it. Which STILL has not happened. 

6 months later, I was still showing that I have a past due payment and it is 2 months late. THE CAR IS PAID OFF AND HAS BEEN SINCE XXXX! I finally got my title and was able to get it to the insurance agency to finish totaling the car out, but this has wrecked my credit for months. Disputes with the credit agency keep getting sent back as accurate, even though my account manager has confirmed my account is closed ( paid off ). 

Now we are almost a year from the time the car was paid off, and it is still showing as past due of not even a full payment! I have continued to call and leave messages with the operator, and managers refuse to return my calls or respond to my complaints through the XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to request specific information regarding the above-referenced account for my personal records. To ensure the accuracy of my financial information, I kindly ask for written confirmation of the following details:1. The first date of delinquency for this account. 2. The date of the last payment received. 3. The date the account was officially charged off.Please provide these details in writing within 30 days. I appreciate your cooperation and look forward to your prompt response. Thank 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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
Re : Dispute of Negative Credit Report Entry for XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the accuracy of a negative entry on my credit report related to XXXX XXXX XXXX XXXX XXXX. As of XX/XX/year>, it was publicly announced that XXXX XXXX XXXX XXXX XXXX has ceased operations following its parent company, XXXX XXXX, filing for bankruptcy. In light of these developments, I am challenging the accuracy and completeness of this accounts reporting on my credit file. 

My Requests : Verification of the Account : Pursuant to FCRA 611 ( a ), please verify the accuracy of this account. I request that you provide : The date of first delinquency, The date of the last payment, and The current ownership of the debt. 

Proof of Legal Ownership : Please provide documentation that demonstrates that this account is being reported accurately and that I am the legally obligated party. 

Validation of Business Records : Since the creditor is no longer operational, I question the accuracy of their record-keeping and reporting. If the creditor or any third-party furnisher can not verify this account, I request its deletion under FCRA 605.

Removal of Unverifiable Information : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate information. If this account can not be verified in full, I demand its removal from my credit file. 

I request that this matter be investigated thoroughly and that I receive written confirmation of the outcome. If the information can not be verified, please delete this entry from my credit report immediately. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates
the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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