vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I requested a refund and they told me my bank had to handle the issue when In reality they were supposed to refund me the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Address : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account number - XXXX XXXX XXXXXXXX - Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX XXXX XXXX  - Account number XXXX XXXX XXXX5 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-03-23 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account number - XXXX XXXX XXXXXXXX - Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX XXXX XXXX  - Account number XXXX XXXX XXXX5 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I need to update my address to the reporting agency, I have attached scan of my Id, but didn't updated for a long time

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 2025-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc.
State: NY

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 XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX States i have the right to privacy. 

XXXX XXXX XXXX XXXX A section XXXX : it also states a consumer reporting can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) 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 antedate the report by more than XXXX years. 

XXXX XXXX  XXXX ( A ) ( a ) A person shall no furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Unauthorized Hard Inquiry Removal Request Dear TransUnion, I recently reviewed my credit report and found unauthorized hard inquiries that I did not initiate or approve. Under the Fair Credit Reporting Act ( FCRA ) USC 1602p and USC 1681 ( b ), I have the right to request proof that I authorized these inquiries.

The following inquiries appear on my report without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please provide documented proof that I authorized these inquiries. If no such proof exists, I demand their immediate removal from my credit report. 

Failure to respond within 30 days will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the FTC. 

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 explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX  ] Re : Dispute of Inaccurate Information on My Credit Report Fair Credit Reporting Act Disputed Item : ( XXXX ) Dear Sir or Madam, I am writing to formally dispute an item on my credit report under the provisions of Section 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that any inaccurate or incomplete information be investigated and corrected by the credit reporting agency. This account is listed as a collection/charged off account on my credit report but I have never received a 1099c for this charged off debit. Can you please provide me with a 1099c to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately The disputed item, [ XXXX ], appears on my credit report and is incorrect. Specifically, I believe that this item is inaccurate As required by FCRA, I request that you investigate this item and provide me with proof of the accuracy of this information. Specifically, I request documentation of the contact or transaction bearing my signature that validates the reported debt. This documentation is crucial in verifying the legitimacy of this entry on my credit report. Please note that under Section 1681i, you are required to complete this investigation within 30 days and notify me of the results. If this item is found to be inaccurate or incomplete, I request that it be removed or corrected immediately. I look forward to your prompt attention to this matter and expect a resolution within the required 30-day period. Thank you for your cooperation. 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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-03-23 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: CA

Complaint narrative:
I am resending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with XXXX Title 1, Section 151XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-03-23 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: UT

Complaint narrative:
Cease and Desist Hand delivered on XX/XX/XXXX ( Video Proof ) Affidavit of Truth Recorded on, XX/XX/XXXX Affidavit of Mortgage/Bank and/or Deed Fraud, Recorded on XX/XX/XXXX Affidavit of Official Cancellation Discharge Note-Draft Recorded on XX/XX/XXXX Follow Up Notice recorded on XX/XX/XXXX Notice of Rescission Notarized and Faxed on XX/XX/XXXX Violation Warning : Denial of Rights Under XXXX of Law Delivered by Registered Mail # XXXX Delivered on XX/XX/XXXX at XXXX p.m.

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 2025-03-23 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: UT

Complaint narrative:
Cease and Desist Hand delivered on XX/XX/XXXX ( Video Proof ) Affidavit of Truth Recorded on, XX/XX/XXXX Affidavit of Mortgage/Bank and/or Deed Fraud, Recorded on XX/XX/XXXX Affidavit of Official Cancellation Discharge Note-Draft Recorded on XX/XX/XXXX Follow Up Notice recorded on XX/XX/XXXX Notice of Rescission Notarized and Faxed on XX/XX/XXXX Violation Warning : Denial of Rights Under XXXX of Law Delivered by Registered Mail # XXXX Delivered on XX/XX/XXXXXXXX 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 2025-03-23 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:
Cease and Desist Hand delivered on XX/XX/XXXX ( Video Proof ) Affidavit of Truth Recorded on, XX/XX/XXXX Affidavit of Mortgage/Bank and/or Deed Fraud, Recorded on XX/XX/XXXX Affidavit of Official Cancellation Discharge Note-Draft Recorded on XX/XX/XXXX Follow Up Notice recorded on XX/XX/XXXX Notice of Rescission Notarized and Faxed on XX/XX/XXXX Violation Warning : Denial of Rights Under XXXX of Law Delivered by Registered Mail # XXXX Delivered on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) XXXX OPENED : XX/XX/2019 Account shows a balance when the account has been PAID IN FULL. Never late.

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 2025-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Mr. Cooper Group Inc.

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX : XXXX XXXX XXXX Dear mortgage Holder, I received an email dated XX/XX/XXXX that contained the following information : Control number : XXXX Check Number : XXXX Transaction Date : XX/XX/XXXX Property Type : Escrow Account Amount : {$3200.00} The email stated that the above check was not cashed and asked if a replacement check was needed. 

I responded to that email with an updated mailing address for the check to be mailed to : XXXX, XXXX : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My phone number is XXXX and my email is XXXX. 

Today is XX/XX/XXXX, and I have not received the replacement check or additional correspondence related to the refund check. 

I will be waiting for your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
am disputing the collection activity by Midland Credit Management ( MCM ) regarding my XXXX XXXX XXXX account. MCM sent a letter dated XX/XX/XXXX, stating that my account was being considered for attorney review for possible litigation. However, this letter appears to be a deceptive and misleading collection tactic in violation of the Fair Debt Collection Practices Act ( FDCPA ) because : The letter implies immediate legal action, yet no lawsuit has been filed since I received it in XXXX 

It falsely pressures me into making payments by using threats of litigation that have not materialized. 

If this debt is outside Georgias statute of limitations, legal action would not be possible, making their claims misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
I am submitting this complaint to the consumer financial protection bureau regarding, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting ACT 605B ( 15 U.S.C 1681 C-2 ), I request the removal of fraudulent information from my credit report that has resulted from my identity theft and fraud. Transunion is legally required to complete this action within four business days of receiving this complaint. 

XXXX XXXX Opened : XX/XX/year> Account Number : XXXX Balance : {$21000.00} These accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounted, inquiries, and collections are the result of identity theft and fraud. The negligence of Transunion in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of these steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent 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 2025-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I'm filing a formal complaint under the Family Educational Rights & Privacy ACT FERPA regarding an unauthorized access & disclosure of my financial aid records Potential FERPA Violations : Unauthorized access or sharing of student 's records.

Failure to provide students access to their own records Data breach involving protected student information

Company response to consumer: Closed with explanation