vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX I, has violated my rights by reporting a fraudulent, identity theft, collection account to TransUnion credit bureau with no account number listed, in the amount of {$430.00}, in an effort to knowingly collect a debt it is not owed. XXXX XXXX XXXX is reporting an open collection account with an open date of XX/XX/year>, to TransUnion credit bureau damaging my credit and my reputation as a consumer. I have no open accounts with XXXX XXXX I, nor have I ever done business with XXXX XXXX XXXX I have never heard of XXXX XXXX I, nor has it ever contacted and/or communicated with me in any manner before or after reporting said fraudulent account to TransUnion. XXXX XXXX I, has violated my rights under the following codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
EQUIFAX I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

EXPERIAN Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

TRANSUNION I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXT XXXX acct # XXXXXXXX XXXX  acct # XXXX, XXXX XXXXXXXX XXXX acct # 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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filling a complaint against Cash App ( Block, inc. ) due inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measure 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 thesis violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I have an inquiry from XXXX showing on my credit report that i did not authorize nor have knowledge of the company. I request that it be removed from my credit report immediately.

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 2025-02-04 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: WI

Complaint narrative:
I tried to call cash app on a lot of occasions and couldn't get thru

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NC

Complaint narrative:
Acct # XXXX The creditor has violated my consumer rights under fcra. The balance is paid in full and is being reported with a balance! Spoke to rep XXXX on today XX/XX/XXXX at XXXX XXXX  est and was informed there is no record from the third party company collector called true accord that the acct is paid in full. Experian also denied my dispute after providing valid proof of the debt being paid in full!!! On the credit report it is showing that the balance has been updated as of XX/XX/XXXX, which is a inaccuracy!!!!! The acct is being updated monthly year to date! 
However it states that there was a dispute updated in XX/XX/XXXX! And the document I provided to Experian is attached! 
They also too have violated my rights under fcra. 
According the FCRA Inaccurate, incomplete, or unverifiable information must be removed usually within 30 days! According to Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA!!!

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 2025-02-04 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: GA

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 Date Opened : XX/XX/XXXX Balance : {$410.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Late/Open Inquiry in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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 listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 Date Opened : XX/XX/XXXX Balance : {$410.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Late/Open Inquiry in Dispute : XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-02-04 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Complaint Against TransUnion for Violating FCRA Section 607 ( b ) Dear CFPB, I am writing to formally submit a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

I have recently discovered that TransUnion has not updated or reported my credit card account with XXXX XXXX. Enclosed with this letter is a highlighted copy of the correspondence from XXXX XXXX, which confirms that they have updated and reported my account to all three major bureaus. It appears that TransUnion is mirroring the concerning patterns previously identified with XXXX and XXXX. 

In light of the recent CFPB actions against XXXX and XXXX for failing to conduct adequate investigations and ensuring the accuracy of consumer reports, I am deeply concerned that TransUnion is following in their footsteps. The CFPB has previously found that XXXX did not adequately investigate consumer disputes and used ineffective systems, which harmed consumers like myself. 

To further illustrate my situation, my credit report from TransUnion indicates that my XXXX account was removed from my file between XX/XX/XXXX, and XX/XX/XXXX, without proper justification or notification. This removal has adversely affected my credit score, which as of XX/XX/XXXX, shows a credit score of XXXX. 

I urge the CFPB to investigate TransUnions practices regarding the accuracy of credit reporting and their compliance with the FCRA. It is crucial that consumers are protected from inaccuracies and that credit reporting agencies fulfill their responsibilities diligently. 

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

Sincerely, CFPB XXXX HAS CORRECTED MY 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 2025-02-04 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: IL

Complaint narrative:
There is information that I notice on my credit report that is a direct and sole result of identity theft, I did not provide written permission or instructions for the identified accounts to be reported on my credit report I am requesting that the information be blockeddeleted, and my request to blockdelete is not being made an error, nor is my request to blockdelete being made on the basis of a misrepresentation of fact, by me, relevant to request to blockdelete the identified accounts, any information related to these accounts, such as addresses also need to be blockdelete it according to 15 USC 1681C-2 information identified as a result of identity theft needs to be blockdeleted no later than four business days after receive I am requesting that the following accounts on this report be deleted from my credit report as these are fraudulent accounts. 

Accounts are : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES 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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # 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 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I have been trying to get this collection debt removed from my account that has been on my account now since XX/XX/year>. This debt was owed to XXXX & their collection company is called Credit Collection Service. The company promised to remove the debt from my account but still shows on my credit report. I have disputed this several times and this has not been removed as promised.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter to Santander Consumer USA requesting the presentment or exhibition of the original loan agreement to verify their status as the holder in due course. 

I referenced Title 9 regarding the perfection of security interests under the Uniform Commercial Code ( UCC ) and cited UCC 3-505, which pertains to the exhibition of the original contract or commercial agreement upon demand. 

I expressed my intent to honor any legitimate demands but requested verification of their authority before proceeding with payments. 

They failed to certify the loss, theft, or destruction of the original document and have remained silent on the matter. 

In XX/XX/XXXX, after conducting research into the U.S. Code, corresponding Code of Federal Regulations, the UCC, and Federal Reserve Bank publications, I sent another letter to Santander. 

I expressed concerns that the alleged lender might not be the holder in due course of my promissory note and may have breached the loan agreement. 

I requested adequate assurance of due performance pursuant to UCC 2-609, seeking confirmation that the lender used their own funds to purchase my promissory note and did not utilize my note to fund the loan Santanders failure to provide the requested documentation and assurances has led me to question their authority to enforce the loan and demand payments. 

I am concerned that the original promissory note may have been altered or securitized without my knowledge or consent, potentially entitling me to certain offsets or dividends under applicable laws. 

Then today, XX/XX/XXXX after not hearing anything from Santander since Before XX/XX/XXXX, they came and took the car. The only thing they have ever sent me was a copy of the credit application and a copy of the contract which I can't say whether it's the original or not because its a copy. 
eresion The paperwork I have attached is the typed out version not the signed version as I sent the signed version but I do have the return receipt that Santander signed to recieve

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MA

Complaint narrative:
Please refer to the attachments pertaining to the Equifax data breach.

Company response to consumer: Closed with non-monetary relief