vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm writing to express my frustration over the inaccuracies in my report that are unfairly affecting my scores and, as a result, my future opportunities. These errors are not just numbers on a pagethey have real consequences. Because of them, Ive faced unnecessary rejections, higher rates, and missed chances that I should have rightfully had. Its incredibly frustrating to be held back by incorrect information that shouldnt even be on my report in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

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 2025-02-24 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: CA

Complaint narrative:
I'm writing to express my frustration over the inaccuracies in my report that are unfairly affecting my scores and, as a result, my future opportunities. These errors are not just numbers on a pagethey have real consequences. Because of them, Ive faced unnecessary rejections, higher rates, and missed chances that I should have rightfully had. Its incredibly frustrating to be held back by incorrect information that shouldnt even be on my report in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit was frozen by Experian for unknown reasons. When attempting to contact them I was unable to verify myself through their phone system and it keeps hanging up on me. I was able to get a person at their corporate office to finally ( after 6 hours of time spent to get a human ) identify that someone else created an account with my social security number. So there is FRAUD on my account but I can't resolve it. The only way to solve the issue apparently is to 1 ) Send a letter to a po box with proof of your identity or 2 ) Get verified by a bank of credit questions... 

Issues are if you send the documents they DO NOT get back to you. You have to get them on the phone in 6 weeks and hope they did it. But ... as I said above I can't get someone on the phone because fraud issue prevents me from verifying myself. I can't get verified because the credit questions require getting an agent on the phone which..that 's right .... I can't get because I can't verify myself due to the info being wrongly set up by the fraud actor. 

I'm stuck with frozen credit and no way to correct the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
Experian, Equifax & Transunion have all failed to fulfil their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian & Equifax, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience. They have neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to removed or amend the disputed accounts, as their inaction violates federal law and my rights. These are the accounts/personal information I've marked as inaccurate and are still showing : 1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: NJ

Complaint narrative:
Hard inquiries on my 3 Credit reports that I never Authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CL Holdings LLC
State: VA

Complaint narrative:
I noticed that an account was opened with XXXX XXXX XXXX on XX/XX/XXXX And another one with XXXX XXXX XXXX on XX/XX/XXXX Another account was opened with XXXX XXXXXXXX on XX/XX/XXXX I have no idea about these reports on my credit profile and Id want it deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I noticed that an account was opened with XXXX XXXX XXXX on XX/XX/XXXX And another one with XXXX XXXX XXXX on XX/XX/XXXX Another account was opened with capital one on XX/XX/XXXX I have no idea about these reports on my credit profile and Id want it deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 
I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
I am reaching out to formally dispute the incorrect information on my credit report. After thoroughly reviewing my report, I have identified multiple inaccuracies that need to be addressed immediately. The information being reported is not only wrong but could potentially harm my creditworthiness and financial future. I am deeply concerned about the presence of these errors and expect swift action to rectify them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an incorrect address and associated utility account that have appeared on my credit report. The following address does not belong to me, and I have never resided at this location : XXXX XXXX XXXX XXXX XXXX XXXX We originally intended to move into this residence ; however, we never did because the XXXX XXXX XXXX XXXX XXXX, and as a result, we never took possession of the property. While we initially set up a XXXX XXXX XXXX account for the home, we never moved in, and no services were ever used by us. 

We have continuously resided at our current address under the same name, and XXXX XXXX XXXX has never mentioned or billed us for this disputed account. Since this address and utility account are inaccurate and do not reflect our actual residency, I request that you immediately remove them from my credit report. 

To support my claim, I have included the following documents : A copy of my drivers license and a recent utility bill reflecting my actual residence Confirmation of our current and active XXXX XXXX  XXXX account at our true address Please investigate this matter and provide written confirmation of its removal within 30 days. If you fail to correct this inaccurate reporting, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) for further review. 

Thank you for your prompt attention to this issue. Please send all correspondence to the address listed above. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: PA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
I purchased my new home on XX/XX/XXXX for {$350000.00} with a 5 % down payment and loan of $ XXXX loan includes Mortgage Insurance. The property appraised for {$360000.00} on XX/XX/XXXX. 

I was told that Mortgage Insurance would be removed when I have 20 % equity in the property. 
In XX/XX/XXXX, I made additional payments to meet the 20 % equity, and then the CMG Financial website changed and required 25 % equity to remove Mortgage Insurance. I made additional payments and am currently at 26.7 % equity according to CGM Financial website. 

I called CMG Financial a few times and the latest call informed me that I have to get another appraisal ( which is estimated to cost at least {$450.00} ) in order to be considered for Mortgage Insurance to be removed. Apparently the appraisal ( Which cost me {$600.00} ) can not be considered. 

I am paying {$78.00} each month for mortgage insurance ( Which should have been cancelled in XX/XX/XXXX after I met the equity requirement ) and no certain way of getting the Mortage Insurance removed. 

Given the track record of moving the goal posts, I am concerned that CMG Financial will find another hurdle for me to jump over, if I risk another {$600.00} for another appraisal. 

I am hoping CFPB is able to assist. 
Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have a third party handling and they are refusing to provide requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Last month, I checked my credit report and noticed there was a fradulent credit card application for Capital One on XX/XX/25. I have never even applied or logged into Capital one before. It left a hard inquiry on my account. I contacted Capital One and they said they would fix it but nothing has been done. They mentioned they would send a letter to the XXXX credit bureaus and it would take 30 days or more. Its been a month and a half and its still there. After that phone call, I put a Fraud alert on all XXXX  of my accounts for a couple weeks just in case. However, still nothing has been done. It is frustrating to talk to Capital One because last time I waited over XXXX minutes and was transfered over 5 times. I contacted XXXX again today. They told me to go ahead and file a fraud report since it was fraudulent and that this should help out the fraudulent inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Incorrect information my credit report, delays resolving disputes. These inaccuracies have negatively impacted my credit score and caused undue stress and difficulty in managing my financial affairs. Despite multiple attempts to resolve these issues, Nothing has changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
The credit card company ( Citi ) never provided the entire balance and payments made on account like I requested as I discovered inaccuracies and stated something fishy had gone on. After they sent the case to court I presented documents I was on XXXX XXXX and the judge dismissed the case and said there should not be a charge off. I have a court document. Citi keeps reporting delinquent on my account monthly and its affecting me. I tried to resolve it with them but to no avail

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 monetary relief
Consumer complaint received 2025-02-24 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by XXXX on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CREDIT COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.XXXX has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). XXXX is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CREDIT COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the XXXX breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that XXXX remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief