vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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:
b'I am a XXXX XXXX XXXXXXXX The information listed below, which appears on my credit report,\nis the result of that 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 XXXXXXXX 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 2025-04-21 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-21 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: NJ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Regarding account # XXXX. Only.... as of XX/XX/year>. This account was reporting on my credit report in exceptional standing. Due to a FTC fraud claim on a different chase account, ending in XXXX. Both accounts were closed ... after explaining to chase several times. The account has been verified and should be back on my credit report in good standing... EQUIFAX. Is refusing to reinstate this account due to there policy, but actually it was there error that closed the wrong account!!! I have contacted both equifax and chase on a daily basis for over 3 months to fix this error, they refuse and it has caused my credit score to drop 80 pts due to equifax error!!!! I have disputed it many times and an on going dispute is still in progress with no correction in site.... someone needs to verify the mistake on equifax and chase and re open the correct account and close the improper account....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: WV

Complaint narrative:
I am submitting a formal dispute regarding several unauthorized hard inquiries listed on my credit report, which were not initiated by me and were done without my knowledge or consent. The specific inquiries in question are : XXXX XXXX NA - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX These inquiries are inaccurate, unverifiable, and represent a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 604 ( 15 U.S.C. 1681b ) which establishes that a consumer report may only be obtained with a permissible purpose and with the consumer 's authorization.

Section 611 ( 15 U.S.C. 1681i ) which grants consumers the right to dispute inaccurate or unauthorized information and requires credit reporting agencies to conduct a reasonable reinvestigation.

Section 609 ( a ) ( 3 ) ( 15 U.S.C. 1681g ( a ) ( 3 ) ) which entitles me to receive the name and contact information of any party that has accessed my report. 

I have not applied for credit with XXXX XXXXXXXX XXXX  XXXX or XXXX on the dates listed above. These inquiries were made without my authorization, and no valid documentation has been provided to support a permissible purpose. 

I respectfully request that the CFPB assist in ensuring that these unauthorized inquiries are investigated and permanently removed from my credit file. I also request confirmation that the credit bureaus comply with their legal obligations to maintain accuracy and consumer protections under the 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 2025-04-21 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: AZ

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
I just noticed a credit inquiry from a company Ive never dealt withand I definitely never gave them permission to pull my credit. I didnt apply for anything with them, and I have no idea why they accessed my information.

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 2025-04-21 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: UT

Complaint narrative:
I am formally disputing the following negative items on my credit report.

Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I am writing to formally request the immediate removal of all derogatory accounts, indicators, and remarks from my credit profile, as maintained by Experian, due to violations of the Fair Credit Reporting Act ( FCRA ) and inconsistencies in reporting that have been identified in my recent credit reports dated XX/XX/year>. Upon reviewing my credit reports from XXXX XXXX, which aggregate data from TransUnion, Equifax, and Experian, I have identified several discrepancies and potential violations of FCRA regulations and XXXX XXXX Compliance Guidelines. These include, but are not limited to : Inconsistent reporting of account numbers, balances, and derogatory marks across bureaus ( e.g., Experian reports 1 derogatory mark while others report none ). I have previously initiated multiple investigations with Experian under FCRA 611 ( a ) regarding these issues. Each investigation concluded that no violations were found, and all reported information was deemed valid. However, the persistence of derogatory marks, despite these findings and the resolution of the related dispute, suggests ongoing non-compliance by the furnisher and/or Experians failure to ensure accurate and fair reporting as required under FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( e ).

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 2025-04-21 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: SC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am being forced by Dell Technologies, Comenity Capital Bank, and XXXX XXXX XXXX to pay for a computer I never received. I ordered a laptop computer from Dell Technologies The total cost was {$1000.00}. I financed the purchase through a program that was offered me by Dell using Comenity Capital Bank. 

The laptop was scheduled to be delivered by XXXX on XX/XX/XXXX. I received an email from XXXX on the XXXX saying the package was coming and a signature was required for delivery. I saw the XXXX XXXX  from my window and went outside to wait for the driver while he was making other deliveries on another street. When he stopped in front of my building, I approached him and asked for my package. He said he had given the package to a man who approached his truck and said he was me. He pointed down a XXXX XXXX to show where the man had come up to his truck. He then issued a receipt to his system saying the package was delivered to me at my residence. He may have believed that, but both were untrue. He then said, My boss is going to kill me. 
I filed a complaint with the XXXX XXXX police. I called Dell who said they would investigate. A day later they said they would not send me a new computer or issue a credit. I asked them to reconsider and got the same results. I contacted XXXX and spoke to the drivers supervisor who confirmed what the driver told me and said it was XXXX mistake. I spoke with Comenity Bank and explained the situation to them. They investigated and produced the receipt with the false information as proof I received the product. 

XXXX says Dell must file a claim. Comenity says speak with Dell. Dell wont speak with me. As far as I know neither Dell nor Comenity spoke to the driver or the supervisor who will confirm the events. 

I did nothing improper. I am XXXX XXXX XXXX and a federal employee with a high-level clearance. Dell and Comenity are accusing me of committing fraud which would cost me my job if it were true. I have nothing to do with or any knowledge of the person who claimed to be me. I filed a report with my agencys security division so they would hear the truth. If I were lying or involved in deceit in anyway, Id be the first person to do so who reported the events to the police and to his employer. 

I have contacted the MD AGs office and am waiting for a response. Meanwhile if I dont make the payments when Comenity bills me, Ill be charged a huge interest rate. 
Id be pleased to speak with anyone who wants more information. If these large companies are mistreating me, they must be doing the same to others. 

Thank you for any consideration you can show me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: WI

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of XXXX XXXX, I am requesting their deletion within the next XXXX days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NH

Complaint narrative:
Im filing this complaint as a result of cash app ( block , inc ) due to their unfair practices, inadequate customer service as well as other things which violate the CFPA. I have dealt with MULTIPLE issues and their dispute resolution process is unfair and truly only sides with their business as they do not comply with nor meet the error resolution requirements under the EFTA as well as regulation E. This has not only been inconvenient for me but also a financial burden and loss. I am looking for appropriate redress for the inconvenience as well as the violations. I hope someone will be able to assist me soon. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have an account ending in XXXX on my XXXX XXXX XXXX file that has only been removed from XXXX  and it needs to be removed from XXXX XXXX  as well. I even have a letter from Bank of America stating that Im not liable as well and will screenshot and post that letter as well.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
Military star/aafes has not provided proof of 5day reinsertion notice or addressed my past XXXX disputes just a generic email to send my concerns to XXXX You removed the account and reinserted without giving me notice can you explain that to me not If you used your investigative tools to determine the account is accurate why did you remove it and reinserted it without giving me notice within 5 days.

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 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  world works 96 % of the time in the mortgage service area. For the other 4 %, insurance agents need a human or phone number to call. Current over seas ( possible ) chat people can not solve problems. Told today no person available to talk to. Force placed a flood policy on an insured when they have a flood policy. The insured XXXX XXXX of XXXX SC is my client. Spent over XXXX hours trying resolve his issue with NATIONSTAR MORTGAGE. Nationstar recently purchased another large mortgage company service rights- XXXX XXXX They already service a very large chunk of the mortgage business. Customer service is at an all time low with NATIONSTAR in XXXX OH. This particular client has XXXX flood polices. Has a garage with living area on the same property. Thus the confusion with the mortgage company. I have sent letters explaining all and NATIONSTAR refuses to make the needed adjustments. Loan number is XXXX. This complaint is for ALL the insureds we have with the lack of customer service with their mortgage service company. The new way of doing business has to be changed a little to allow for human interaction. A problem solver. Rare with any company in current environment.

Company response to consumer: Closed with explanation