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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
My funds from a past grant were sent to my cash app account. Cash app stopped working and my funds never showed up. Also I have had money taken from my account unauthorized..

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

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 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX. 
, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect wrong Employers : My credit report shows the wrong employer. Please update my employer. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 


Request for Confirmation : I request that TRANSUNION investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX. 
, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect wrong Employers : My credit report shows the wrong employer. Please update my employer. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 


Request for Confirmation : I request that TRANSUNION investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against TransUnion due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, transinion failed to take timely and effective measures to prevent and address fraud on their platform, leaving m ' 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 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, my direct consolidated loans ( one subsidized, one unsubsidized ) were forgiven the remaining debt after reaching XXXX qualified payments. In XX/XX/XXXX, my XXXX loans ( one subsidized, one unsubsidized ) were forgiven the remaining debt after reaching XXXX qualified payments. The accounts were closed on my credit report in XXXX XXXX XXXX after I filed a dispute resulting from XXXX not reporting the closed accounts. The total amount forgiven from the XXXX loans was approximately {$240000.00}. In XX/XX/XXXX, XXXX reported a single open installment account for the forgiven amount as being due, which just showed up on my XXXX and TransUnion credit reports yesterday, but not on my XXXX credit report. This account is closed and the report of a new account with almost {$240000.00} due has tanked my excellent credit score and will tank it again when it reports closed again. XXXX should not be able to do this as it is both unconscionable and illegal. Also, XXXX has done this to a number of other borrowers in recent months that also received forgiveness for their debt. It is a despicable business decision.

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 2025-02-02 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: PA

Complaint narrative:
In XX/XX/XXXX, my direct consolidated loans ( one subsidized, one unsubsidized ) were forgiven the remaining debt after reaching 120 qualified payments. In XX/XX/XXXX, my XXXX XXXX  ( one subsidized, one unsubsidized ) were forgiven the remaining debt after reaching 120 qualified payments. The accounts were closed on my credit report in XXXX XXXX XXXX after I filed a dispute resulting from XXXX not reporting the closed accounts. The total amount forgiven from the XXXX loans was approximately {$240000.00}. In XX/XX/XXXX, XXXX reported a single open installment account for the forgiven amount as being due, which just showed up on my Equifax and XXXX credit reports yesterday, but not on my XXXX credit report. This account is closed and the report of a new account with almost {$240000.00} due has tanked my excellent credit score and will tank it again when it reports closed again. XXXX should not be able to do this as it is both unconscionable and illegal. Also, XXXX has done this to a number of other borrowers in recent months that also received forgiveness for their debt. It is a despicable business decision.

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

Complaint narrative:
In XX/XX/XXXX, my direct consolidated loans ( one subsidized, one unsubsidized ) were forgiven the remaining debt after reaching 120 qualified payments. In XX/XX/XXXX, my XXXX XXXX  ( one subsidized, one unsubsidized ) were forgiven the remaining debt after reaching 120 qualified payments. The accounts were closed on my credit report in XXXX XXXX XXXX after I filed a dispute resulting from Mohela not reporting the closed accounts. The total amount forgiven from the XXXX loans was approximately {$240000.00}. In XX/XX/XXXX, Mohela reported a single open installment account for the forgiven amount as being due, which just showed up on my XXXX and XXXX credit reports yesterday, but not on my XXXX credit report. This account is closed and the report of a new account with almost {$240000.00} due has tanked my excellent credit score and will tank it again when it reports closed again. Mohela should not be able to do this as it is both unconscionable and illegal. Also, Mohela has done this to a number of other borrowers in recent months that also received forgiveness for their debt. It is a despicable business decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 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 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 2025-02-02 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 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 2025-02-02 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: DE

Complaint narrative:
I have sent out multiple dispute letters to Experian regarding inaccurate information on my credit report. Despite providing evidence, Experian has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Noting inaccurate information on my credit report verified accurate ; Specifically : 15 USC 1681e ( b ) : Experian has not ensured the maximum possible accuracy of the accuracy of the information in my credit file.

15 USC 1681s-2 : Experian has continued to report inaccurate information after I provided notice of disputes.

15 USC 1681i ( 5 ) : Experian has reinvestigated and reinserted disputed items without notifying me, as required by law.

15 USC 1681c ( c ) : Experian has reported obsolete information that should have been excluded from my credit report. 
Recently, I became aware of the lawsuit filed by the CFPB against Experian on XX/XX/year> titled CFPB SUES EXPERIAN FOR SHAM INVESTIGATIONS of CREDIT REPORT ERRORS According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues Ive been facing.

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 2025-02-02 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: 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 non-monetary relief
Consumer complaint received 2025-02-02 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:
I filed a dispute with Experian and Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed. Experian violates my rights as a consumer, as well as federal laws. I have attached supporting documentation.

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 2025-02-02 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:
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 non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 Fraud Transfer Act ( EFTA ) and regulation E. These actions have cost significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX  XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax

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 2025-02-02 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX, account # XXXX SYNCB/CARE CREDIT, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I, XXXX XXXX, am filing this report to document an incident of identity theft. On XX/XX/year>, I discovered an unauthorized XXXX XXXX XXXX account listed on my credit report. This account has been sent to a collection agency, XXXX XXXX, with an outstanding balance of approximately {$1300.00}. 

I did not open this XXXX XXXX XXXX account, nor did I authorize anyone to open an account on my behalf. I have never had any business dealings with XXXX XXXX XXXX that would result in this debt. I believe that my personal information was fraudulently used to establish this account without my knowledge or consent. 

I contacted the credit reporting agencies to dispute the charge as I had previously informed XXXX XXXX XXXX that I did not have any accounts with them when they contacted me regarding this matter. I did not receive any debt verification letter. Upon realizing the debt was on my credit report, I filed a police report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] Date : [ Insert Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Re : Dispute of Credit Reporting Under 15 U.S. Code 1681o Dear Sir/Madam, I am writing to formally dispute the significant changes to my credit score that occurred between XX/XX/XXXX and XX/XX/XXXX. During this period, I have noticed a substantial and unexplained decline in my credit score. I believe this negative change may be the result of negligence or non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which outlines civil liability for damages due to negligence.

Upon reviewing my credit report, I observed the following discrepancies that may have contributed to this adverse impact : I have reached out to my XXXX credit card companies. I was unemployed and had trouble finding a job. And I actually was involved in an accident in the summer for XXXX. Which limited a lot of things that I use to do. 

The XXXX credit companies that I have are XXXX XXXX XXXX XXXX  XXXX In accordance with 15 U.S. Code 1681o, I request that you investigate and rectify these inaccuracies or omissions promptly. If the information provided to you by third parties ( e.g., lenders, creditors ) is incorrect or incomplete, I hold the credit reporting agency liable for any damages that result from this negligence. 

Please provide me with the following : A detailed explanation of why my credit score declined during the specified period. 
A copy of any corrections made to my credit report after your investigation. 
Any supporting documentation or evidence used during the review process. 
Any written assurance that my credit report now complies with the FCRA and accurately reflects my credit history. 
I expect this dispute to be resolved in a timely manner as per the legal requirements under the FCRA, and I request confirmation within 30 days of receipt of this letter. If I do not receive a satisfactory resolution, I may seek legal remedies for civil liability under 15 U.S. Code 1681o.

Please direct any correspondence related to this matter to the address or email listed above. 

Thank you for your prompt attention to this issue. 

Sincerely,

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

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax 's actions 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 administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief