vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2025-03-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
I am deeply concerned about the derogatory rating on my account and its significant impact on my credit standing. This negative mark has already resulted in the denial of a recent loan application and triggered increased interest rates on my existing credit accounts. The financial and emotional distress this situation has caused is severe and will continue until this matter is properly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-03-11 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: TX

Complaint narrative:
On XX/XX/XXXX, I sent my first dispute letter to Experian, challenging the accuracy of certain accounts on my credit report. Instead of properly investigating, Experian simply updated and reverified the accounts without providing the required Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). 

To follow up, I sent a second dispute letter on XX/XX/XXXX, requesting MOV once again. However, on XX/XX/XXXX, I received that same letter returned to me unopened, proving that Experian never reviewed or responded to my request.

This is a clear violation of the FCRA, which requires credit bureaus to : 1. Investigate disputes within 30 days ( or 45 days in some cases ).

2. Verify the accuracy of reported accounts or delete unverifiable ones.

3. Provide the consumer with the Method of Verification upon request. 

Furthermore, on XX/XX/XXXX, I submitted a CFPB complaint ( ID : XXXX ), which seemingly triggered Experian to open a dispute internally. Then, on XX/XX/XXXX, Experian issued dispute resultsdespite never reviewing my XX/XX/XXXX letter. 

This strongly suggests that Experian did not conduct a proper investigation but instead responded to my CFPB complaint in bad faith, while completely ignoring my written disputes sent via certified mail.

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 2025-03-11 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Entrata Inc.
State: IL

Complaint narrative:
On XX/XX/year> we received an apartment lease renewal offer from our landlord. The lease is signed through a web portal service provided by Entrata Inc, headquarted in XXXX, XXXX 

One page of our lease is a signup agreement with XXXX XXXX XXXX, XXXX, a subsidiary of Entrata Inc spun out of their acquisition of Rent Dynamics. XXXX provides a service to report rent payments to the major credit bureaus. This agreement states that XXXX will give us one month of rent reporting before charging {$8.00} per month, and to opt out we must either email XXXX or send a letter. There was no other way to opt out of this agreement during the lease signing on Entrata 's web portal. 

During the following week after XX/XX/XXXX, we discussed this forced agreement with the landlord, and the landlord confirmed with Entrata that this agreement could not be removed and was required as part of renewing our apartment lease.

To be clear : - A rent reporting service agreement was added by Entrata Inc as part of our apartment lease - The service costs {$8.00} per month - There is no way to opt out or avoid signing up for this service during the lease signing While Entrata/XXXX  does provide email and mailing addresses to opt out of this forced agreement, it is unacceptable that signing a lease on the Entrata platform includes an $ XXXX rent reporting service that we must email/write to cancel immediately after signing. We were also provided no guarantee that the rent payments would not be reported if we opted out before the service period started. 

Additionally, reporting new credit accounts such as this can be detrimental to credit scores with the major bureaus and could affect our ability to intentionally obtain new lines of credit for mortgages and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : XXXXXXXX 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 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2025-03-11 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
Experian doesn't adequately process disputes Experian doesn't remove or reinserts errors on credit reports Experian 's investigations are inadequate and biased Experian 's letters to consumers are confusing and incorrect Experian reinserts inaccurate information into credit reports

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 2025-03-11 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.
State: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-11 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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: NY

Complaint narrative:
Dear Experian XXXX XXXX needs you to check the Credit Report... 
See how you told me to check it...??. 

Are you not Angered and XXXX off yet??? 


See how Experian removed XXXX and put it on the Credit Report side...?? 

After these following steps Hit the deletion button ... .of XXXX XXXX XXXX XXXX associated Even if they changed their name for the XXXX th time... ..because. It is XXXX XXXX... 
To not supply credit Experian with Accurate information... 

Check to make sure that XXXX XXXX has Submitted his certificate of truthfullness Affidavit His report number from law enforcement Which Experian asked XXXX XXXX to give to them to facilitate the further removal and block of Vive from his Credit report THIS IS NOT AN INVESTIGATION REQUEST THIS I XXXX A CALL TO WORK AND DO YOUR JOB To Block and Remove XXXX  Yourself... with my Permission... 

XXXX XXXX should not have to be Supervising Experian I have other things to do with my day Because of your incompetence You said you removed something off of file then you update it to another on credit report... 

You are messing up my credit utilization Any Debts collection is Sold and is supposed to be reported as XXXX... 

You have a XXXX and more debt on file XXXX XXXX upwards... 

Do you not know how to do your job?? 

Are you hiring people that are not versed in credit reporting ....?? 

Do you not know that 12 years is very good and not just good...?? 

How did you arrive at XXXX percentage?? 

Do you not see that XXXX has not sent you anything Accurate thus far... 

How are you asking for XXXX then XXXX Then XXXX Did I not file sn incident report for mail fraud harassment.. 

Please do not write nothing to me about checking my credit report.. 

Because you are not adequate enough to prove to me that you are competent of handling credit reporting...

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 2025-03-11 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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: CA

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not create or authorize these accounts and do not recognize them. As per USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your review.

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 2025-03-11 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: CA

Complaint narrative:
I'm filing this compliant against Experian for failing to properly investigate my previous multiple disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds stating the account is accurate without allowing an appeal or responding to the " method of validation '' or proof. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of consumer disputes. Furthermore, Experians action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I leased a new car ( 2024 XXXX XXXX XXXX ) in XXXX of 2024. I received XXXX bill in XXXX. I tried calling to setup auto-pay, but was told there was no record of my account. My credit report has shown the account as current up to and including today, but I have never received a bill or been contacted via mail, email, or phone. Today, I received a repossession notice. I called the number on the letter, and requested written explanation of the delinquency. I was told that was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: LA

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 2025-03-11 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: MS

Complaint narrative:
On XX/XX/XXXX, XXXX and XXXX XXXX my credit was ran with inquiries from XXXX XXXX XXXX XXXX Capital OneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My email address was compromised and several of my social media accounts where hacked- along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
( Cfpb ) has recently filed a lawsuit against Experian Equifax and Trans Union alleging, systematic issues such as failing to forward. Consumer provided evidence of furnishers accepting unreliable responses, and failing to adequately, notify consumers to dispute outcomes. These failures aligned with my experience were Experian Trans Union Equifax has neither corrected nor remove disputed items disputed the evidence provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the the disputed accounts as Experian, Trans Union Equifax in action, violates federal law and my right as a consumer.

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 2025-03-11 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: FL

Complaint narrative:
( Cfpb ) has recently filed a lawsuit against Experian Equifax and Trans Union alleging, systematic issues such as failing to forward. Consumer provided evidence of furnishers accepting unreliable responses, and failing to adequately, notify consumers to dispute outcomes. These failures aligned with my experience were Experian Trans Union Equifax has neither corrected nor remove disputed items disputed the evidence provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the the disputed accounts as Experian, Trans Union Equifax in action, violates federal law and my right as a consumer.

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