vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: MA

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 non-monetary relief
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
I was contacted on XX/XX/XXXX by Hunter Warfield about a collection of {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to a woman who has stolen my identity. I live in Illinois and she is using my identity in California under multiple properties. This fraud was discovered in XXXXXXXX XXXX XXXX, reported to local authority in XXXX XXXX XXXX  and several attempts have been disputed. 

My credit has been frozen and fraud alert since then. I have a full folder of her image and documents she has been using under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: KS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-01-31 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: OH

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-31 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I started noticing fraud activity on my Apple Card when I returned from a video game convention in XXXXXXXX XXXX on XX/XX/XXXX. I used this card exclusively during the event and I believe a skimmer was used at some point. When I looked back through my statements I noticed older charges I didn't recognize and I believed my Apple XXXX was compromised so I signed out of all of my Apple devices, reset my Apple XXXX password, and engaged Apple Support. I engaged them via chat in the Messages app and I was given a new virtual card number, rather than closing the card altogether and closing the account then and there. I had 23 disputes open with Apple for fraud charges, most of which I received back as credit, but there are 3 remaining items on my account that Apple will not forgive as they were charges made for Apple devices that show on their end as purchases made and delivered to me when that was never the case. I tried to explain to them the ongoing identity theft case ( included FTC and police reports ) but they will not budge. They now expect me to pay off fraud purchases when I already have upwards of XXXX in other fraud being addressed elsewhere. I then received an email on XX/XX/XXXX that my Apple Card was closing due to " failure to comply with the customer terms agreement. '' I had no idea what this meant and called their main support line and spoke with a supervisor named XXXX- but he couldn't provide any further information other than the same email I received. I have been fighting this identity case for nearly 3 years now and Apple Support and their dispute process has only added more stress and emotional strain on my life. I know they had a lawsuit back in XXXX for shady tactics regarding their dispute process so maybe I'm just one of the unlucky souls who they treated unfairly. All I know is that I've given them every piece of information possible and it's never good enough. Every time I either started a chat or called their customer service, I'd get routed to 4 or 5 other people because they don't understand or simply don't care. At the end of the day, they need to face consequences for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the consumer Financial Protection Act ( CFPA ). 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 2025-01-31 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: TX

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I froze my ChexSystems XX/XX/year>2021 and it should still be frozen due to fraud. When I pulled my credit report from XXXX it said XXXX of their sources was ChexSystems so ChexSystems is ignoring my freeze and still verifying or denying my accounts with XXXX, I have attached the screenshot of XXXX listing their XXXX references they used to verify my info. XXXX was ChexSystems and the other is XXXX. ChexSystems should be notifying XXXX that my acct is frozen when XXXX contacts them but theyre not and transunion is using my info from ChexSystems and thats a violation! ChexSystems hasnt confirmed or denied that theyre communicating with XXXX on my behalf which is obvious they are! 


I want ChexSystems to communicate to XXXX that Im on a freeze the way they are suppose to and remove or have removed whatever they shared with XXXX. ChexSystems also admitted that financial institutes report accounts to them but with my account frozen so they shouldnt be accepting any new reporting in my name! Both sharing info with XXXX and accepting reports on my behalf is a violation. 

Fair Credit Reporting Act ( FCRA ) 15 USC XXXXc-XXXX & XXXXcXXXX Under 15 USC XXXXcXXXX, consumers have the right to place a security freeze on their credit report. 
Once a security freeze is in place, consumer reporting agencies ( CRAs ), including ChexSystems and XXXX, are prohibited from sharing your information with unauthorized third parties. 
15 USC XXXXcXXXX requires that if a consumer places a freeze due to identity theft or fraud concerns, the credit reporting agency must comply with restrictions.

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 2025-01-31 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: MI

Complaint narrative:
Dear Transunion, I am writing to inform you that I am a victim of the data breach that occurred as a result of the high-risk security incident involving your company. In accordance with 15 U.S.C. 1XXXXcXXXX ( a ), I am requesting that this account related to my personal information be blocked and deleted from your records to protect me from potential harm or fraud. 

Thank you, 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 2025-01-31 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: MS

Complaint narrative:
MY DATA HAS BEEN COMPROMISED! PLEASE INVESTIGATE THESE DISCREPANCIES AND REMOVE THE INFORMATION RELATED TO THIS ACCOUNT. I AM DISPUTING : XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX  XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX XXXX, XXXX # XXXX AND ANY RELATED DOCUMENTATION RELATED TO THE DATA BREACH. UNDER THE FCRA, I AM ENTITLED TO A FREE COPY OF MY CREDIT REPORT WHEN MY DISPUTE RESULTS IN CHANGE. ADDITIONALLY UNDER THE GLBA, FINANCIAL INSTITUTIONS ARE REQUIRED TO SAFEGUARD PERSONAL INFORMATION. SINCE MY DATA ( PERSONAL INFORMATION ) WAS COMPROMISED, I REQUEST THAT YOU ENSURE NO FRAUDULENT OR ERRORONEOUS INFORMATION REMAINS ON MY REPORT. REMOVE THESE ACCOUNTS LISTED ABOVED IMMEDIATELY. I EXPECT A RESPONSE TO THIS DISPUTE WITHIN 4 DAYS AS REQUIRED BY THE FCRA. THANK YOU FOR IMMEDIATE ATTENTION TO THIS MATTER.SEE ITEMS ATTACHED BELOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: MS

Complaint narrative:
MY DATA HAS BEEN COMPROMISED! PLEASE INVESTIGATE THESE DISCREPANCIES AND REMOVE THE INFORMATION RELATED TO THIS ACCOUNT. I AM DISPUTING : XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX  XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX XXXX, XXXX # XXXX AND ANY RELATED DOCUMENTATION RELATED TO THE DATA BREACH. UNDER THE FCRA, I AM ENTITLED TO A FREE COPY OF MY CREDIT REPORT WHEN MY DISPUTE RESULTS IN CHANGE. ADDITIONALLY UNDER THE GLBA, FINANCIAL INSTITUTIONS ARE REQUIRED TO SAFEGUARD PERSONAL INFORMATION. SINCE MY DATA ( PERSONAL INFORMATION ) WAS COMPROMISED, I REQUEST THAT YOU ENSURE NO FRAUDULENT OR ERRORONEOUS INFORMATION REMAINS ON MY REPORT. REMOVE THESE ACCOUNTS LISTED ABOVED IMMEDIATELY. I EXPECT A RESPONSE TO THIS DISPUTE WITHIN 4 DAYS AS REQUIRED BY THE FCRA. THANK YOU FOR IMMEDIATE ATTENTION TO THIS MATTER.SEE ITEMS ATTACHED BELOW.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
The Date of the Letter was sent on XX/XX/year>. The issue is still not resolved for me missing my lively hood, of XXXX days pay missing at {$18.00} an hour. They are unwilling to accommodate me, for letting a XXXX XXXX  Online Party steal my hard earned money. PNC did not take responsibility of protecting my money. They did not see the Red Flags, I do not have a iPhone 16. I have never made a Online XXXX Transfer to XXXX. I have not been able to access my Account. I was blocked, after I trusted PNC. I was working as a Temp Worker, in a XXXX XXXX XXXX. It was very hard work, and PNC failed to see the Red Flags.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
money was taken from my account that I did not authorize by someone on XXXX two different times one transaction ended up being around XXXX the other XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to delete personal information. 

I am writing to formally request the deletion of a personal data that is incorrect, please remove the following wrong address and the security alert associated with my account. 

Wrong address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Personal Statement : XXXX & XXXX ID SECURITY ALERT Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code XXXX ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2025-01-31 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: NJ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ), as codified in 15 U.S.C. XXXX et seq. I assert that TransUnion, the primary credit reporting agency, and its partner, XXXX XXXX, have failed to provide accurate and truthful reporting of my credit information, which led to the wrongful denial of credit by XXXX XXXX ( XXXX XXXX ). The denial was based on a materially inaccurate credit score discrepancyspecifically, a variance of approximately XXXX points between the credit score reported by TransUnion and the one used by XXXX XXXX ( XXXX XXXX ) to deny me credit.The actions of TransUnion, XXXX XXXX, and XXXX XXXX XXXX XXXX are in violation of several provisions within the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy, completeness, and fairness of consumer credit reporting. Specifically : 15 U.S.C. XXXXe ( b ) / 15 U.S.C. XXXXi / 15 U.S.C. XXXXm / XXXX XXXX XXXX The wrongful denial of my credit application due to the inaccurate credit reporting by TransUnion has caused me to lose all trust in the accuracy and integrity of the information reported by this credit reporting agency. Given the severe discrepancies in my credit score and the lack of resolution to my dispute, I can no longer rely on TransUnion to provide accurate or trustworthy data. This experience has led me to question whether my XXXX score, or any other score provided by TransUnion, is calculated correctly or with fairness. 

In light of this situation and the ongoing harm caused by the mishandling of my credit report, I not only demand compensation for the damages incurred but also demand that TransUnion immediately adjust my credit score to XXXX. This is necessary to restore my confidence in their reporting system and to compensate for the inaccuracies that have unfairly impacted my creditworthiness. Until this adjustment is made, I will remain unable to trust TransUnion or its reported data in any capacity.

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 2025-01-31 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: TX

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. XXXXcXXXX, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. XXXXe ( b ). The reporting of unauthorized data also breaches 15 U.S.C. XXXXb, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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