vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am submitting this complaint because XXXX inaccurately reported a 90-day delinquency on my federal student loan, even though I was not properly notified that repayment had resumed. This late payment, which occurred in XX/XX/year>, caused my credit score to drop over 150 points and has already begun affecting my financial stability.

I want to emphasize that I have never had a single late payment in my credit historylet alone one 90 days past due. Ive always maintained a strong financial record and take my obligations seriously. This is the first derogatory mark on my credit, and it occurred not because of negligence, but because I was never informed that repayment had restarted. 

I strongly suspect that XXXX had an outdated or incorrect email address on file. I never received any email, mailed, or phone communication notifying me of the resumption of payments. I only began receiving emails from XXXX after I created an account to make a payment and entered my current email manually. I will be attaching a screenshot of my XXXX email history, showing that messages only began arriving after I updated my contact info. 

Once I discovered the delinquency, I acted immediately and brought the account current. I submitted a goodwill adjustment request asking for the late payment to be removed or retroactive administrative forbearance to be applied for the period in question. XXXX denied the request and gave a templated response stating they attempted to contact me, but offered no actual proof of these attempts or what contact method they used. 

I also filed a dispute with XXXX, but they ruled against me based solely on XXXX continued reporting, without consideration of context or communication failure. I now have a serious negative mark on my credit, caused by a situation that was largely out of my control, during a time when many borrowers were confused by the federal repayment restart.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-30 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-30 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-30 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
Formal Complaint and Criminal Investigation Request Retaliatory Credit Reporting and IRS Violations by XXXX XXXX XXXX -Equifax Report Confirmation : XXXX CFPB Case No. : XXXXDate of Letter from XXXX : XX/XX/XXXX. I am requesting that the CFPB forward this matter to the IRS Criminal Investigation Division and initiate a formal review of XXXX XXXX XXXX ( XXXX ) for potential violations of federal tax law under 26 U.S.C. 6050P and continued retaliation through credit reporting misconduct, in violation of the Fair Credit Reporting Act ( FCRA ). 
According to the letter I received from XXXX dated XX/XX/XXXX, the company affirms that my account has been charged off with a balance due. Yet, they simultaneously claim that no IRS Form 1099-C was issued because the debt is not considered canceled or forgiven. This position is inconsistent with federal tax code and may constitute willful misrepresentation of the status of the debt for tax and credit reporting purposes. Further, despite this account being closed and charged off in XXXX, XXXX XXXX XXXX continues to update and reinsert the account into my Equifax credit report as of XX/XX/XXXX, without providing certified reinsertion validation or notification. This is a violation of FCRA 1681i ( a ) ( 5 ) ( B ) and may constitute unlawful re-aging of a derogatory tradeline. Under FCRA 1681e ( b ), all information reported must be accurate and not misleading. Reporting a charge-off while maintaining a balance and describing it as Profit and Loss misrepresents the legal and financial status of the account. If the debt was written off, a 1099-C is required. If not, it should not be reported as a charge-off or profit/loss. XXXX can not have it both ways. In light of XXXX  conflicting statements, continued updates, and refusal to follow proper procedures after prior disputes, I request that this matter be referred to : The IRS Criminal Investigation Division for willful violation or evasion of IRS 6050P requirements, And that the CFPB conduct a full enforcement review for retaliation, improper credit reporting, and continued FCRA violations. The enclosed letter dated XX/XX/XXXX, from XXXX XXXX XXXX is submitted as new evidence. I respectfully request that CFPB take action, refer this to appropriate regulators, and ensure the permanent deletion of this account from my credit report if XXXX can not legally validate it under current law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: CO

Complaint narrative:
On XX/XX/year>, I woke up to a pending charge of {$48.00} on my primary Keybank checking account. I immediately called them to dispute the charge. I must have let them know about the unauthorized transaction within just a few minutes of it coming through that morning. It was from a XXXX website called XXXX. I have never visit this website, nor do I purchase anything from any XXXX websites. Keybank issued a provisional credit. I got a letter XX/XX/XXXX from Keybank stating that the charge was valid, and they would be taking that {$48.00} again. I asked what sort of documentation or determination led to this decision. They didn't provide anything. I requested that they reopen the investigation, and I haven't heard anything since. It's sad that my longtime bank of 15 years doesn't have my back over such a small dispute. I'm glad I found out that they don't have my back over something so small and not something more substantial. Attached is a conversation I had with a random XXXX representative, confirming I made no purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-30 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 filling a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the customer 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 Fraud 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 2025-04-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-30 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:
This morning, I discovered some incorrect accounts on my credit report and Im unsure how they got there. I routinely check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser thinking it might be a temporary error, but nothing changed. I kindly request a detailed review of the documents I submitted so this issue can be resolved permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: AL

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 explanation
Consumer complaint received 2025-04-30 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: AL

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 2025-04-30 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear Credit Reporting Agency , I am submitting this formal request in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that certain fraudulent information be blocked from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request, as required by law. 

The disputed information includes : A personal credit card account that was fraudulently opened in my name Several unauthorized hard inquiries Multiple collections that have subsequently appeared on my consumer FICO credit report I do not recognize these accounts, collections, or inquiries. I did not authorize or initiate any of them. These entries are fraudulent, inaccurate, and are not reflective of any legitimate financial activity conducted by me. They are entirely the result of identity theft. 

To support this request, I have enclosed the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and confirming that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear Credit Reporting Agency , I am submitting this formal request in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that certain fraudulent information be blocked from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request, as required by law. 

The disputed information includes : A personal credit card account that was fraudulently opened in my name Several unauthorized hard inquiries Multiple collections that have subsequently appeared on my consumer FICO credit report I do not recognize these accounts, collections, or inquiries. I did not authorize or initiate any of them. These entries are fraudulent, inaccurate, and are not reflective of any legitimate financial activity conducted by me. They are entirely the result of identity theft. 

To support this request, I have enclosed the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and confirming that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 

Thank you for your immediate 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 non-monetary relief
Consumer complaint received 2025-04-30 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.

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-04-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MO

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries nor to view my consumer report. In addition, I did not give any permission to furnish such information onto my report. This is a violation of Fair Credit Report ACT Section 1681b ( c ) as fraud & breach of my privacy. Inquiries that's not authorized. 

XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/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 2025-04-30 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: IL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: AZ

Complaint narrative:
I am filing this complaint because of an inaccurate collection item that is reported on my credit report under TransUnion. The entry in question is related to a debt from XXXX XXXX XXXX  XXXX XXXX with an account number ending in XXXXXXXX XXXX XXXX XXXX XXXX  for a balance of {$580.00}. This collection account is erroneous and does not accurately reflect my payment history or credit behavior. I strongly believe this is a result of a data breach or some form of reporting error, as I have not been notified of this debt through legitimate channels, nor have I been provided proper documentation verifying its validity. Additionally, the debt is being reported without clear evidence that all necessary steps were followed before placing this account into collections, including providing me with the required notices as mandated by the Fair Debt Collection Practices Act. This lack of transparency is unacceptable and is severely harming my credit.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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