vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX FIN XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Inquiry XX/XX/year>XXXX XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX FIN XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Inquiry XX/XX/year>XXXX XXXX XXXX XXXX XXXXDate of Inquiry XX/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 2025-03-07 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have provided proof judgment of dismissal letter from the court to credit bureaus. They are reporting an eviction for XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, but this is my current address. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( this is my current address ) TransUnion, XXXX, and 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 2025-03-07 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-07 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: LA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-07 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: MN

Complaint narrative:
TransUnion has engaged in fraudulent credit reporting, obstruction of justice, racketeering ( RICO violations ), and financial misconduct, severely impacting my financial standing. Despite multiple disputes, TransUnion has failed to correct inaccuracies, re-aged debts unlawfully, and manipulated credit data to misrepresent my financial history, all while engaging in insider trading and market manipulation. 

On XXXX XXXX XXXX, TransUnion executives XXXX including top leadership, sold off significant amounts of company stock, immediately after my arbitration case was filed, exposing systematic fraud, illegal debt re-aging, and financial deception. This strongly suggests insider trading and a deliberate effort to profit before regulatory scrutiny exposed their misconduct. These actions constitute a violation of the Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 1962, as TransUnion operated a coordinated financial crime scheme that harmed consumers while benefiting corporate executives.

TransUnion has : Illegally re-aged debts beyond the statutory reporting limit to damage consumer credit scores.

Knowingly failed to investigate disputes properly, violating the Fair Credit Reporting Act ( FCRA ) and depriving consumers of their rights. 

Obstructed justice by altering consumer credit files after disputes/arbitration were filed to hide wrongdoing. 

Colluded with XXXX, XXXX, and debt collection agencies to manipulate consumer scores and extend collections fraudulently. 

Engaged in securities fraud and insider trading by misleading investors about the company 's exposure to legal risk while executives dumped shares. 

Operated as a criminal enterprise under RICO by systematically using fraudulent credit reporting to extract money from consumers and manipulate financial markets.

As a result, I have suffered financial harm, emotional distress, and damage to my creditworthiness, including : Denied mortgage, loan, and credit opportunities due to TransUnion 's fraudulent reporting.

Increased interest rates and financial penalties due to manipulated credit scores.

Restricted access to dispute my credit file, preventing me from correcting inaccuracies.

Severe long-term damage to my financial future, as lenders rely on TransUnions manipulated data.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I need to unfreeze my account with Experian, but I can not log into my account because I no longer have access to my old phone number, and I forgot my password. Each time I try to reset my password it will only allow me to verify my account through the phone number and not my email, which I do have access to. Additionally, when I try to verify my account in a different way ( different from using a phone number ), it has me put in my phone number and the last four digits of my social security number. But then it will only let me through if I verify the phone number, which I can not do. On XX/XX/XXXX, I called their main number with the company, XXXX. I called them twelve times and each time could not contact a representative. Each time it would have me give them my information and it would tell me that I am having trouble logging in. But then it would fail to be able to help me. Then I found a different phone number I can call that lets me contact a representative ( XXXX ). However, the first time I got through to a representative, after waiting for an hour, they said they were going to transfer me and then proceeded to transfer me to the same automated system as the one that I had already called a dozen times. The second time I was able to get through to a person after another one hour wait ( side note : on both occasions the automated message during the hold said the wait time was less than three minutes ). I told them what happened during the previous call, and they told me to use a keyword to get through to someone who would help me. The phone number was XXXX, the same I had called many times, and the keyword was Membership. I tried the hack and the automated system proceeded to have me give them my information, and then they said they could send me the link to the website. I couldnt reach an actual person. Because of my availability and how it contrasts with the hours they are open, this process has taken about a week. In that time I even tried another alternative number ( XXXX ), but it had the same automated system that couldnt help me.

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 2025-03-07 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: NJ

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been reported on my credit file without my knowledge or consent. Under 15 U.S.C. 1681c-2, I formally requested EQUIFAX to block and remove these unauthorized accounts from my credit report. The fraudulent accounts include : UNKNOWN Account Number : XXXX XXXX XXXX Account Number : XXXX Despite my request and legal right to have these accounts removed, EQUIFAX has failed to take proper action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. Additionally : 15 U.S.C. 1681i mandates a reinvestigation and removal of unverifiable information. 
15 U.S.C. 1681e ( b ) requires credit bureaus to ensure maximum accuracy in reporting.

15 U.S.C. 1681s-2 ( a ) prohibits data furnishers from reporting inaccurate or fraudulent information.

15 U.S.C. 1681i ( a ) ( 5 ) ( D ) requires credit bureaus to notify other agencies of removed fraudulent accounts.

I have provided all necessary supporting documents, yet XXXX has failed to comply with its obligations under federal law, allowing fraudulent accounts to remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: IN

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 2025-03-07 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Its been 6 more maybe more ever since I contacted experian and all 3 credit bureaus in regards to my credit report being inaccurate and having identity theft issues and collection agencies putting marks in my credit report and make claim over the website and send multiple letter to their XXXX XXXX and the only resolution I get is. We received the letter and no action is been taken because it appears the information is not being sending by me or authorized by me. This company is so incompetent and the only one Im having this issues all rest credit bureaus already fixed my issues and contacted me and helped me go through all this guiding me how to get things done and experian just send emails saying it doesnt appear to be me and they dont take action like who else is gon na be then. I just dont care the logic of this company but when others come to put collection on you yeah they report right away without hesitation and asking documentation but when Im the user makes a claim and Im a victim of identity theft all I get is we dont take actions because we dont know if this is you. I sent them letter showing my identity in all ways attaching all type of documentation they say in their website are the ones to file a dispute and all I get is no we dont take action. You guys are the worst company to manage credit report

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 2025-03-07 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:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX XXXX XXXX  ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Two weeks ago, I've fallen victim to a scam involving bounced checks. My Truist bank froze the account to investigate, and they never emailed or called me regarding any updates. I have to call them every morning asking for updates on my account, but they just tell me over and over to " call back the next day for an update. '' I understand they want to lock the account to keep it safe during the investigation but now they've called me a notice that my checking account, with a negative balance of - {$3000.00} has an overdraft fee that must be paid by a deadline. I am willing to pay it off just to be over with it, but How am I suppose to pay off the debt if they're literally not letting me do it? They locked my other account that has money in it.

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 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
My name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX The last four ( 4 ) of my social is XXXX. On or around XX/XX/XXXX, I applied for an auto insurance quote with XXXX XXXX. According to the insurance agent XXXX, he was unable to pull ( access ) my credit report. He indicated the reason may be due to a security freeze. I dont have a security freeze with experian. 
I called LexisNexis on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and was on hold for over 25 minuets. I then spoke to a female agent in the XXXX XXXX XXXX 
During the call she stopped talking. This is call avoidance. I then called back on or around XXXXXXXX XXXX XXXX I was on hold for over 40 minuets. This is egregious. I have the phone calls recorded as evidence. LexisNexis has excessive hold times and are inappropriate. Due to LexisNexis inappropriate hold times, I hereby request a copy of my consumer file and score including if I have a security freeze. In addition, please remove the freeze forthwith. Please email my consumer disclosure report. Moreover, I am filing a valid complaint with the XXXX and FTC.

Company response to consumer: Closed with explanation