vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : 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 explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/year>

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I have reviewed my credit file and identified multiple inquiries that I did not authorize. These inquiries constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which mandates that a credit bureau may only furnish a consumer report when permissible purpose exists. Since I did not initiate or authorize these inquiries, they must be removed immediately. 
The unauthorized inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1681b ( f ), a party requesting my consumer report must have a permissible purpose. Since I did not apply for credit, loans, or any services that would justify these inquiries, these entities lacked a permissible purpose, and thus, the inquiries must be removed.

Additio

nally, 15 U.S.C. 1681i grants me the right to dispute inaccurate information in my credit report and requires TransUnion to investigate and correct any unauthorized or erroneous entries. I demand that TransUnion : Conduct
an immediate investigation into these fraudulent inquiries.

Remove the unauthorized inquiries from my credit report.

Provide a written response confirming the deletion of these inquiries.

Disclose the name and contact information of each entity that requested my credit file.

I have attached a copy of my drivers license, and a ftc affadavit for identity verification.

Thank you for your prompt attention to this matter. I look forward to your written confirmation of these removals.

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 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This company is Affirm. When i lost my job i called them right away. They said they will work with me. Well they didnt. They tried overdrafting my account multiple times for more than the payment so i had to turn off my card. I explained to them if they can do a smaller payment to help me out. They didnt. They wanted all of it now or inwould be sued and arrested. I fell ill and i gave my brother my phone to handle everything. My brother spoke to them and they told him they would help but they never sent him any information. They call my phone up to 20 times a day. When my brother calls them back he explains to them that since they have cintinued to harrass me that he is filing complaints and speaking to his lawyer. He told them tbat they are harrassing with all the phone calls and to atop calling. They still continue to call. I have taken screenshots of everything. If needed i can take screenshots from the past 30 days of both numbers they call from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Re : Cease and Desist Request Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau

( CFPB ) take immediate action to cease and desist any further unlawful activities concerning my [ credit report, financial account, or the issue at hand ]. This letter serves as an official notice of my intention to stop such actions, which I believe are in violation of [ Fair Credit Reporting Act ( FCRA section 607, 611, 615, 605 and 611 ]. Specifically, I am requesting the following : 1. The reporting
of incorrect and misleading information after requesting an investigation by certified mail.

2. I request for removal of erroneous information, cessation of unwanted communication.

As per the Fair Credit Reporting Act and other relevant financial protection laws, I have the right to dispute any inaccuracies and request a halt to any activities that are inconsistent with those rights. I expect that the CFPB will act in accordance with these laws to ensure that my rights are fully protected and upheld. 

Please acknowledge receipt of this letter and confirm that corrective action will be taken immediately. 

I trust that this issue will be resolved in a prompt and professional manner. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I had a cash app account and someone sent me some funds, but I never received them. After investigation, the person, said that cash app, transferred funds to wrong account. I asked did they know who it was, they said yes, but cash app refuse to give further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
Request for Immediate Action Due to Identity Theft and Data Breach To Whom It May Concern I am writing to formally notify you that I have been a victim of identity theft and a data breach. As a result, fraudulent accounts have been opened in my name without my authorization. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request that these accounts be blocked no later than 4 business days of the receipt of this complaint

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 2025-01-30 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I was the victim of identity theft and as a result had fraudulent activity occur on a Target credit card. I have disputed this directly with Target who upon investigation provided with me details of account numbered completely differently from the one documented on my credit report. Additionally I requested the IRS required 1099-c document to verify that the debt that was sold to a third party collection agency was reported properly as a source of income. This has never been supplied which only further supports my compliant of Target erroneously assigning bad debt to hard working consumers without maintaining appropriate records. I have attached full documentation of the situation and request that the damaging and inaccurate information be removed from my credit reports at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: DE

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$5000.00} Date of Account : XX/XX/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 2025-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/2019 I went to XXXX XXXX located on XXXX XXXX XXXX XXXX XXXX OH XXXX to purchase a vehicle for Personal use. I had help from XXXX XXXX to get a XXXX XXXX XXXX  and the Agreement to my Knowledge now is Deceptive and Misleading. There are also billing errors. I had a closed-End agreement with Chrysler Capital as the alleged creditors. I had no idea how misleading and deceptive the entire transaction was as I am aware of today. I can break down how XXXX XXXX and Crysler Capital are in fault of misleading and deceptive business practices. I called to get refunded all Credits and payments to for the Use of my Credit. Also the Contract being A Consumer Credit sale Transaction and to be able to keep the vehicle for personal Damages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am contacting you to dispute fraudulent tems on my credit report, which i believe stem from identity theft ( Pursuant 15 U.S.C 1681 c-2 ) I am requesthing that these inaccuracies be blocked prompelly.Attached is a copy of my plice report FTC identity theft report which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681 c-2 once an identity theft report has been submilled, credit reportthing agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit reprt are associaded with this identity theft and must be blocked. 

I am writing to notify you that i have fallen prey to identity theft I haven reached out to the Federal Trade Commission and lodged a complaint, which is enclossed for your reformence My credit report contains fraudulent ACCOUNTS that are not associated with me 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 explanation
Consumer complaint received 2025-01-30 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CO

Complaint narrative:
a rental debt was closed due to michigan law that if there was domestic XXXX youre able to be released early from a lease. my ex went to XXXX XXXX XXXX XXXX  and i was scared for my life to stay there. police and lawyer told me that because of this, id be released. XXXX removed this then during the breach i began receiving letters and phone calls again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXXXXXX Account 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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
Security credit services reported that was open with them XX/XX/year> and I have no knowledge and they do not have me on any contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Significant discrepancy between two different versions of a note produced by the Plaintiff, Bank of America ( BANA ), in two separate court proceedings. The first version, submitted in XXXX, lacks any endorsement, while the second version, produced in XXXX, contains an undated, " in-blank '' robosigned endorsement by BANA. 

This discrepancy raises several concerns, including : 1. *Authenticity of the note* : The presence of an endorsement on the XXXX version, which was not present on the XXXX version, suggests that the note may have been altered or tampered with. 
2. *Chain of possession* : The lack of a clear endorsement on the XXXX version, and the presence of an undated endorsement on the XXXX version, raises questions about the chain of possession of the note. 
3. *Authority to enforce* : The undated endorsement, which occurred after the sale of the mortgage to XXXX XXXX , suggests that Bank of America may not have the legal authority to pursue foreclosure actions.

4. *Robosigning* : The use of a robosigned endorsement, which is a signature that is applied without the signer 's actual review or approval, is particularly problematic and may be considered a fraudulent practice.

The fact that the endorsement occurred after the sale of the mortgage to XXXX XXXX is significant, as it suggests that Bank of America may have transferred the mortgage to a new owner without properly endorsing the note. This could render the note unenforceable, as the endorsement is a critical component of the chain of title. 

To address these concerns, it may be necessary to : 1. *Request documentation* : Request documentation from Bank of America to explain the discrepancy between the two versions of the note.

2. *Challenge the endorsement* : Challenge the validity of the endorsement, particularly if it was robosigned or occurred after the sale of the mortgage to XXXX XXXX XXXX 
3. *Investigate the chain of title* : Investigate the chain of title to determine if Bank of America has the legal authority to pursue foreclosure actions.

4. *Seek sanctions* : Seek sanctions against Bank of America for potentially fraudulent practices, such as robosigning or altering the note. 

Overall, the discrepancy between the two versions of the note raises significant concerns about the authenticity and enforceability of the note, and highlights the need for careful scrutiny of the chain of title and the authority of Bank of America to pursue foreclosure actions.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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