vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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  Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


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 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

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 2025-02-03 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:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-02-03 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
I sent out a letter to XXXX, XXXX, and XXXX on Friday, XX/XX/year>. My documents were picked up by USPS on Saturday, XX/XX/year>. It should have taken about a week, maybe two for the letters to arrive to their destinations. I have not received any mail or updates from any of the 3 credit companies in 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I dont understand how they got there. I review my report regularly, but this time, there were unexplained discrepancies. I refreshed my browser to see if it was an error, but the incorrect accounts remained. Due to this, I ask that the documents I provided be carefully reviewed to ensure that I wont have to deal with this problem in the future.

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 2025-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CT

Complaint narrative:
I made a mistake and sent money to the wrong person, a person I do not know and after sending a request for a refund of course the lady declined the request twice. I made a report with cash app and was never contacted in regards to the matter or even awarded back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have been unable to log in to my online account to check my mortgage and escrow balance, make payments, and view year-end tax-related documents. I receive the following message : " Your account can not be accessed online at this time. This can not be resolved online. Please give us a call at XXXX to discuss your account status. '' I have called several times and communicated through chat. No one can tell me what is really going on or when it will be resolved. 
XX/XX/XXXX : I called customer service and was told that someone would give me a call by Monday. No one called, and the issue remained unresolved. 
XX/XX/XXXX : I called customer service again. I was informed that the issue would be fixed by the end of XXXX, and that someone would call me or I would receive an email. Neither occurred, and the issue persisted. 
XX/XX/XXXX : I initiated an online chat to check the status of the issue ticket I had opened. I was told the issue would be resolved by XX/XX/XXXX, and I would be notified via email when I could access the online account. 
XXXX : I called customer service once more. I was informed that the issue had been closed for no apparent reason and would be escalated again. The issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: KY

Complaint narrative:
I am writing to formally request your assistance regarding the removal of an unverifiable XXXX  XXXX bankruptcy from my credit reports. Despite repeated efforts to verify the information, the credit reporting agencies and data furnishers have failed to provide adequate validation. 

The bankruptcy in question was allegedly filed on XX/XX/year>. However, TransUnion, Equifax, Experian, and XXXX have all confirmed that they were unable to verify or validate this item. XXXX, in particular, explicitly stated that they do not have any record of this bankruptcy being reported. Consequently, XXXX removed the entry from their respective databases. 

Under federal and Kentucky state statutes, the continued reporting of unverifiable information violates my consumer rights : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : 1681i ( a ) ( 1 ) ( A ) requires consumer reporting agencies to verify disputed information within 30 days or delete it.

1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum accuracy.

1681c ( a ) ( 1 ) allows bankruptcy information to be reported only if it is accurate and verifiable.

2. Consumer Financial Protection Act ( 12 U.S.C. 5531 ) prohibits unfair, deceptive, or abusive acts related to financial reporting.

3. Kentucky Consumer Protection Act ( KRS 367.110 - 367.300 ) prohibits deceptive and unfair trade practices, including the mishandling of consumer credit information. 

I am requesting that CFPB take immediate action to investigate this matter and ensure that the unverified XXXX  XXXX bankruptcy is permanently deleted from my credit report. If the information can not be verified according to legal standards, it should not be reported. They have refused to delete the item which is imploding my ability to purchase a home and causing me to pay thousands more in interest every 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 2025-02-03 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: KY

Complaint narrative:
I am writing to formally request your assistance regarding the removal of an unverifiable XXXX  XXXX bankruptcy from my credit reports. Despite repeated efforts to verify the information, the credit reporting agencies and data furnishers have failed to provide adequate validation. 

The bankruptcy in question was allegedly filed on XX/XX/year>. However, TransUnion, Equifax, Experian, and XXXX have all confirmed that they were unable to verify or validate this item. XXXX, in particular, explicitly stated that they do not have any record of this bankruptcy being reported. Consequently, XXXX removed the entry from their respective databases. 

Under federal and Kentucky state statutes, the continued reporting of unverifiable information violates my consumer rights : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : 1681i ( a ) ( 1 ) ( A ) requires consumer reporting agencies to verify disputed information within 30 days or delete it.

1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum accuracy.

1681c ( a ) ( 1 ) allows bankruptcy information to be reported only if it is accurate and verifiable.

2. Consumer Financial Protection Act ( 12 U.S.C. 5531 ) prohibits unfair, deceptive, or abusive acts related to financial reporting.

3. Kentucky Consumer Protection Act ( KRS 367.110 - 367.300 ) prohibits deceptive and unfair trade practices, including the mishandling of consumer credit information. 

I am requesting that CFPB take immediate action to investigate this matter and ensure that the unverified XXXX  XXXX bankruptcy is permanently deleted from my credit report. If the information can not be verified according to legal standards, it should not be reported. They have refused to delete the item which is imploding my ability to purchase a home and causing me to pay thousands more in interest every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app kept taking different amounts of money from me without my permission and money has goes missing off my account Cashapp account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an error regarding one of my accounts. Specifically, there are two late payments recorded for XX/XX/year> and XX/XX/year>, even though I made those payments on time. Consumer reporting agencies are required to ensure that all information is reported accurately, and this account has never had a late payment. I have attached screenshots of my credit report for reference, highlighting the incorrect late payments. I am formally requesting an investigation into this matter and ask that you provide verifiable proof, with records, confirming that these payments were indeed late. If this information can not be verified, I request that the payment status be updated to reflect on-time payments immediately. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I was placed into collections with Aldous and Associates on XX/XX/XXXX. This was for a cancelled XXXX XXXX membership that was cancelled in XXXXXXXX XXXX XXXX. This significantly lowered my credit score. I attempted to clear the debt by providing documentation of the cancellation. Aldous and Associates did not accept my proof and I paid off the debt rather than continue to argue with them. I paid Aldous and Associates the full amount of the debt {$230.00} on XX/XX/XXXX. The company reported my debt as settled and my score improved. In XXXXXXXX XXXX XXXX  this debt reappeared on my credit report. It was again reported as unpaid. I contacted Aldous and Associates with proof of the payment. They would not accept this and said I had to pay again despite the debt already being paid. The supervisor was very rude to me and told me I had no other options. He then hung up on me when I attempted to speak. I believe the company is scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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 requesting full documentation of my account under FCRA 609. If you can not provide my original signed contract and proof that I opened this account, I demand its immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NJ

Complaint narrative:
I am requesting full documentation of my account under FCRA 609. If you can not provide my original signed contract and proof that I opened this account, I demand its immediate deletion.

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 2025-02-04 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: NV

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA.

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 2025-02-03 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: AL

Complaint narrative:
Response to letter received from Transunion. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from the advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605 C. of the fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Transunion. Please delete the following accounts. Any accounts not promptly removed ; I will escalate this matter to the appropriate legal authorities. I expect WRITTEN CONFIRMATION by XX/XX/year> confirming that the fraudulent XXXX XXXX XXXXXXXX account and any related unauthorized inquiries have been fully removed from my credit. Accounts, 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

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 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
XXXX XXXX I had this credit card account subjected to a forensic audit to assess potential violations of securities laws, and during the review, I discovered that a CUSIP was attached to the account, indicating that it had been securitized. Upon further investigation into your filings with the U.S. Securities and Exchange Commission ( SEC ), I found that your company is prohibited from trading these accounts on the secondary market under Rule 10b-5 of the Securities Exchange Act of 1934, which specifically prohibits the misrepresentation or omission of material facts in connection with the purchase or sale of securities. The presence of this XXXX  attached to my account directly points to an illegal assignment and misrepresentation of the transaction.

Not only does this breach your filing and disclosure obligations under the Securities Act of 1933 and Securities Exchange Act of 1934, but I also discovered that the company failed to return a negotiable instrument that I tendered as payment for the account. When I provided the negotiable instrument, the company accepted it but refused to apply it as payment, insisting that only USD could be accepted. This is a violation of the Uniform Commercial Code ( UCC ), which governs negotiable instruments and requires that they be honored as payment if they are properly tendered. The companys refusal to accept the negotiable instrument and insistence on only USD is a breach of contract and shows bad faith. 
Additionally, I have an expert witness prepared to testify that this credit card account is unenforceable due to the improper transfer of the account. The required documentation, including the original credit card agreement and proof of the assignment, has not been provided, making the transfer incomplete and in violation of UCC 9-203. Without the necessary documentation, the assignment is invalid under UCC 9-308 and UCC 9-406 , rendering the account unenforceable under applicable law. 
Therefore, I assert that the actions taken by your company in securitizing and transferring this account, without providing the proper legal documentation or disclosure, not only violate securities laws but also constitute fraudulent conveyance and a breach of fiduciary duty under state contract laws. Furthermore, the improper handling of the negotiable instrument amplifies the violations. These actions expose the company to potential liability for fraud and failure to comply with both contractual and statutory obligations.

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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
Here are the accounts XXXX XX/XX/XXXX # XXXX {$3400.00} I wrote a dispute letter for them to remove it off my credit because it doesnt belongs to me. I asked them for information showing that I signed up with this XXXX account. No response I got in touch with Experian they told me they investigated it and it remains the same every time I try to dispute it off my credit I get the same answer they investigated it stays the same. They asked me Why do I feel like I got ta keep investigating, and I told them because it dont belong to me. Show me that I signed up for this account. Show me my signature show me proof no proof XXXX and XXXX XXXX Account # 5 {$4200.00} I disputed this too. They just told me the same thing they investigated it and care the same with no proof or information.

Company response to consumer: Closed with explanation