vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report, as the results of your recent investigations have not resolved the inaccuracies I identified. 

Despite my previous requests for investigation, the following information remains inaccurately reported on my credit files. 
Experian : XXXX Equifax : XXXX TransUnion : # XXXX| have provided documentation to support my claims, but your investigations have not been thorough, and the inaccuracies persist. It appears that due diligence was not exercised in reviewing my disputes, and I believe my rights as a consumer have not been upheld. 

I request an immediate review of this matter, including a thorough investigation into the inaccuracies mentioned above. I expect a prompt response detailing the findings of your investigation and the actions you will take to correct my credit report. Thank you for your attention to this matter. Ilook forward to your swift response.

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 2025-02-20 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: CA

Complaint narrative:
XXXX XXXX inquiry from XXXX  mortgage that wasnt me so it was a fraudulent inquiry

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 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my numerous submissions, XXXX, XXXX, and XXXX respond within 24 hours stating the account is accurate. All I am asking for is the Purchase Agreement, Bill of Sale, and Sale Data File. I recently attached a copy of the XXXX XXXX document where Midland Credit Management took me to court and was later Dismissed without Prejudice. I am prepared to send a copy of the paperwork to CFPB. If you are reporting these accounts to any credit reporting agency, under the Fair Credit Reporting Act ( 15 U.S.C 1681B ), you must verify this debt to these agencies upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Summary of Issue American Express falsely markets the Hilton Honors XXXX XXXX ( {$550.00} annual fee ) as offering easily redeemable Hilton benefits ( free night certificates, elite status perks, and loyalty rewards ). 

Hilton deliberately obstructs benefit redemption using IT system limitations, conflicting customer service information, and restrictive policies that make it nearly impossible for consumers to access the benefits they paid for. See attached letters for specific details. 

Both companies profit from unredeemed benefits, misleading consumers into paying for a product that does not function as advertised. 

Attempts to Resolve * Over 20 hours spent attempting resolution. 
* 10+ calls and multiple emails with both companies. 
* Escalated to American Express Executive Office, but they refused accountability and redirected the issue to Hilton. 
* Hilton also refused to resolve, further obstructing benefit redemption. 

XXXX & XXXX Damages * {$550.00} annual fee charged for a product that failed to deliver its promised benefits. 
* {$4900.00} in lost productivity ( 20+ hours at $ XXXX ) due to misleading marketing and failure to resolve the issue. 
* Emotional frustration & unnecessary hardship from deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good day.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 2025-02-20 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: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/year> : XXXX XXXX  XXXX XX/XX/year> : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
Hi TransUnion, I just paid for a copy of my credit report after those data breach and found those 7 fraud inquiries that shall delete from my credit report. I never applied or contact those places and all the inquiries below were not authorized by me. 

Ally Financial inquiry date on XX/XX/2024, XXXX XXXX XXXX inquiry date on XX/XX/2024, XXXX  XXXX XXXX XXXX inquiry date on XXXX XXXX XXXX XXXX  inquiry date on XX/XX/2024, XXXX XXXX XXXX inquiry date : XX/XX/2024, XXXX XXXX inquiry date on XX/XX/2024 and XXXX XXXX INQUIRY DATE : XX/XX/2024

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently reviewed my credit report and found multiple inaccuracies, including accounts that contain incorrect information. Some accounts show balances, late payments, or statuses that are not accurate, which is misleading and unfairly impacting my credit profile. I take my financial history seriously, and I need these errors corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have three collections with XXXX XXXX on my credit. 1st one is {$630.00}, the 2nd is {$270.00} and 3rd is {$340.00}. They have all been paid and my receipts are below. It was in agreement on XX/XX/year> that the collections would be removed, however they have not been removed from my report. Also, The collections for XXXX and XXXX XXXX are reporting on my credit multiple times and should also be removed as that is against fair credit reporting regulations as they all three say " purchased by another lender ''. I have disputed these reporting 's multiple times only to be told they would stay on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: TN

Complaint narrative:
I have three collections with XXXX XXXX on my credit. 1st one is {$630.00}, the 2nd is {$270.00} and 3rd is {$340.00}. They have all been paid and my receipts are below. It was in agreement on XX/XX/year> that the collections would be removed, however they have not been removed from my report. Also, The collections for XXXX and XXXX XXXX are reporting on my credit multiple times and should also be removed as that is against fair credit reporting regulations as they all three say " purchased by another lender ''. I have disputed these reporting 's multiple times only to be told they would stay on 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 2025-02-21 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: FL

Complaint narrative:
I am disputing the reporting of my XXXX XXXX  account XXXX FOR INCONSISTENT INACCURATE REPORTING ON BEHALF OF TRANSUNION. Due to major discrepancies between TransUnion, XXXX, and XXXX. These contradictions prove that the information is unreliable, and therefore, it must be deleted Under 15 U.S.C. 1681e ( b ), XXXX is required to follow reasonable procedures to ensure maximum possible accuracy. The inconsistencies between XXXX, XXXX, and TransUnion prove that TransUnion has failed in this duty. 

Under 15 U.S.C. 1681i ( a ), if the information is inaccurate, incomplete, or can not be verified, it must be deleted within 30 days. Since Transunion reporting directly contradicts both XXXX and XXXX, it is clear that the account can not be verified and must be removed. 



Disputed Inconsistencies Requiring Immediate Deletion : Payment History Conflicts : TransUnion reports charge-off status, while XXXX reports XXXX payments. 
These reports can not all be correct, meaning the information is unreliable and must be deleted. 

Last Payment Date Discrepancy : TransUnion reports XX/XX/XXXX as the last payment date. 
XXXX lists XX/XX/XXXX. 
Since this information can not be verified, it must be removed.

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 2025-02-21 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I asked them to share original signed contract and proof of loan default i got behind during covid and was told that late payments wouldn't occur

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-02-21 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: SC

Complaint narrative:
I have been looking at my credit report and have noticed many inaccuracies and accounts that i do not recognize. Please help me with this because this is effecting my credit worthiness and my ability to get approved for other things I need. From the FCRA all information should be correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: PA

Complaint narrative:
I am reporting unauthorized hard inquiries on my Experian credit report, despite having a history of identity theft. The following inquiries were made without my consent : *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 XX/XX/year> ). ** I attempted to dispute these inquiries, but Experian does not allow online disputes for inquiries. I have also taken proactive steps by freezing my credit file to prevent further fraudulent activity. However, these inquiries remain on my report, impacting my credit unfairly. I request an investigation into these unauthorized inquiries and their immediate removal, as required under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-20 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: FL

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 2025-02-20 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: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX, XXXX ) Consumer Social Security Number : ( XXXX ), Consumer Date of Birth XXXX, Contents of Complaint : This CFPB Compliant has been filed to Request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agencies XXXX BLOCK & DELETE information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( DPT EDXXXX {$7200.00} opened XX/XX/XXXX, XXXX XXXX Services {$9600.00} XX/XX/XXXX XXXX Card Services {$4000.00} opened XXXX XXXX, XXXX XXXX  {$1500.00} opened XX/XX/XXXX, XXXX Bank {$590.00} XX/XX/XXXX, XXXX XXXX XXXX  {$390.00} XX/XX/XXXX, ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items : The Inquiries listed are, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of Identity Theft and Fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from The US Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the results of Identity Theft and Fraud.

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 2025-02-21 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: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of hard inquiries, fraudulent employment, addresses, and closed accounts. 
There are hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX. Fraudulent information as far as employment from XXXX reported on my consumer credit report. There is a fraudulent address reported on my credit report ( XXXX XXXX XXXX, XXXX PA XXXX. There are several closed accounts reported. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief