vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-15 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX  Account Number : 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2025-03-15 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 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 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 2025-03-15 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: CT

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


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I am not liable for this debt, I do not have a contract with Credit Control and they did not provide me with the original contract as i requested. 

They called me and i wasnt comfortable with the phone conversation i read yall response and its crazy that you guys are refusing to respond to a case without this information below. 


My address is XXXX XXXX XXXX, Last four of my social is XXXX XXXX XXXX is my full name, XXXX is my phone number.

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 2025-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: PA

Complaint narrative:
I was prequalified for a loan through Square and selected my current bank account for the deposit. However, Square mistakenly sent the funds to an old, inactive account that I no longer have access to. I have reached out multiple times to resolve this, but each time, I am told that an agent will contact me, and no one ever does. Initially, Square said they recovered most of the funds from the old account, but later, other representatives claimed they had not received the funds and told me to contact the old bank, which will not disclose information about closed accounts. Despite never receiving the loan, Square has started deducting payments and reported the loan to my credit file. I need this issue resolved by either having the funds sent to the correct account or canceling the loan and removing it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: VA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-03-15 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
To make this as simple as possible ; third times the charm I hope. Simple math : Prior to force-placed lenders insurance in XX/XX/XXXX, my monthly payment was {$2100.00}. From XXXX XXXX to XXXX XXXX, I should have paid {$21000.00}, but because of the escrow shortage created by the improperly placed LPI, I actually paid {$23000.00}, or {$1300.00} in increased monthly mortgage payments to recapture supposed escrow shortage ( increase was from XXXX XXXX thru XXXX XXXX ). 

In XX/XX/XXXX you placed LPI in the amount of {$2800.00}, even though three weeks prior to the LPI placement, you disbursed from my escrow account the annual premium to my third party provider ( XXXX 's XXXX ), fully nullifying the supposed necessity of LPI.

From XXXX XXXX thru XXXX XXXX I paid a varying monthly LPI payment of of either {$220.00} or {$230.00} ( depending on days in the month ), of which totaled {$1800.00} in monthly LPI charges. 

HERE 'S THE SIMPLE MATH BEING OVERLOOKED : {$1300.00} - overpayment from supposed escrow shortage, plus {$2800.00} - one-time LPI premium in XX/XX/XXXX, plus {$1800.00} - monthly LPI payments XXXX XXXX XXXX thru XXXX XXXX, totals {$6000.00} - overpayments resulting from LPI and escrow shortage Less {$2500.00} - LPI refund XXXX XX/XX/XXXX, and {$1900.00} - LPI refund XXXX XX/XX/XXXX, totals {$4400.00} - total in credits/refunds Difference {$6000.00} - charged in excess of normal monthly payments, less {$4400.00} - total credits/refunds BALANCE DUE BACK : {$1500.00} ( {$6000.00} - {$4400.00} ) SEE ATTACHED SPREADSHEET Your company issued a refund of roughly {$210.00}, which was not cashed. Unless otherwise expressed in simple math countering the above breakdown, the refund issued by your company is insufficient in comparison to charges placed. 

CREDITS MUST EQUAL DEBITS - XXXX  FOR XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: DC

Complaint narrative:
Have been trying for 7 months to get reimbursement for overpayment on my loan that was forgiven in XXXX. Higher level customer service literally wrote that I would be given a check within a few weeks. Then another customer service rep said that wasn't true and said 90 business days when I was originally told it was expedited and it would be 30-60 days. Now it will be 90 business days next Thursday and I still have not recieved my reimbursement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Community Cash Management Corp.
State: ME

Complaint narrative:
I receive daily calls, twice a day if not XXXX days a week. the only days I do not get a call is on weekends. I also receive text messages after they call and leave a voicemail. there is nothing on my credit report for this collection agency. I have XXXX and that is with another agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Nelnet, Inc.
State: PA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : XXXX XXXX Date of Incident : XX/XX/year> Issue : Data Breach and Unauthorized Access to Student Loan Account Complaint Details : On XX/XX/year>, my student loan account was compromised due to a data breach involving XXXX XXXX and Doge. My personal and financial information was accessed without my consent, violating my right to data security and protection. This breach has put my financial standing at risk, and I am now facing potential identity theft and unauthorized activity on my account. 

I request an immediate investigation into this matter, removal of any affected accounts from my credit report, and assurance that my personal data will be secured moving forward.

Resolution Requested : 1. Immediate removal of the compromised student loan account from my credit report.

2. Confirmation of data security measures taken to prevent future breaches.

3. Investigation into how my information was accessed and used. 

Please address this matter promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I mailed a dispute letter to Trans Union to investigate a violation of the FCRA. I included proof of identity. I then received an e-mail from them stating they would not investigate because it did not appear that the letter came from me. I called them today to confirm that it did come from me and why I wanted to dispute. The reps could not under what I was trying to convey to them, as they clearly do not have a complete understanding of the English language, they refused to assist me. I am sending in another, now handwritten letter requests to dispute, once again. This will elongate the process of having this item removed from my report, and I am needing to buy a house as my current landlord has given us a notice they want us to move. Im in a desperate situation to have this corrected, and they refused to help me, even over the phone, they would not process the dispute. This is the original letter mailed to TransUnion : Dear TransUnion, I am writing to formally dispute a collection account reported on my credit file. The details of the account are as follows : Creditor Name : XXXX XXXX XXXX, XXXX Original Creditor : XXXX XXXX XXXX Date of First Delinquency : XXXX Date Reported by Collection Agency : XX/XX/XXXX While I acknowledge that this debt originated in XXXX, I find the recent reporting by the collection agency unfairly damaging and misleading. This debt was placed for collection years ago, and its sudden appearance in XXXX being past the statute of limitations for legal collection in XXXX an unfair negative impact on my creditworthiness. 

I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ) guidelines, as it misrepresents the age of the debt and unnecessarily extends its effect on my credit profile. Under the FCRA, information that is misleading or unfair can be removed, even if technically accurate. 

Therefore, I respectfully request that this account be removed from my credit report due to its outdated and unfair nature. Please conduct an investigation into this matter and provide a written response detailing your findings. 

I have enclosed a copy of my drivers license and a recent utility bill to verify my identity. Please notify me in writing of the results of your investigation. 

Thank you for your time and attention to this matter. I look forward to your response. 

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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I called Capital One on XX/XX/XXXX to cancel my card. They charged me an annual fee on XX/XX/XXXX, but I don't want to use the card anymore. I actually stopped using it for a long time. I closed the account on XX/XX/XXXX. They hit me with a late fee and interest too. I paid everything I owed, minus the annual fee and their late fees. The agent said he will credit it in 5 days. I checked again, and I was hit with an even larger late fee. I called again, they told me it's been more than 39 days so they won't credit me for the annual fee or the late fee. Basically, too bad- we are charging you more fees so deal with it. 

No resolution was provided. The agent " escalated '' it to their improvement team but I was left with over a XXXX dollars worth of fees, bills and interest - none of it having to do with anything I bought or used the card for. 

I now paid everything off, a complete scam and a big waste of money. I want a full refund.

Company response to consumer: Closed with monetary relief