vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: NC

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 2025-01-24 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: NC

Complaint narrative:
Experian is violating the FCRA by not investigating my disputes. They continue to respond with a generic letter stating " request does not appear to have been sent directly by you or authorized by you '' which is a blatant lie and false in which every correspondence I have sent I have attached my driver 's license and social security card both which are acceptable documentation in verifying my identity. They are not deleting accounts over XXXX years old. They are not providing validation of debts I have no knowledge of and have requested original signed contracts, proof of debt ( charges, itemized deductions, dates, proof I was notified of debt ) all are which are required by 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) announced a {$170.00} million settlement with Block, the company that owns Cash App. I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). All of my info was public and I never gave cash app the right to do so. The company also did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) .I seek appropriate redress for these violations. My cash app name is # darealatc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NV

Complaint narrative:
I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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 the account is accurate, without providing any evidence of a thorough investigation. 
Accounts 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 2025-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I have been contacting them for months to get into my bank account. They have refused to contact back I have money in my account that I can't get into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I am filing this complaint regarding inaccurate items on my credirt report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, they are incorrect and does not reflect my true credit history. Account : 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 2025-01-24 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: FL

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credirt report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, they are incorrect and does not reflect my true credit history. Account 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : 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  {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

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

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 2025-01-24 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: AZ

Complaint narrative:
XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were sent Notice to Cease and Desist reporting of several currently reported injurious claims ; unproven yet to be factual and physically validated as true, correct, complete, timely and certifiably Metro 2 format compliant. 

The claim by XXXX XXXX XXXX XXXX was to be checked for requisites and immediately removed from reporting of ONLY factually true, complete, timely, validated and certified allegations. This original Notice was sent XX/XX/year>. XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX failed to provide any of the requested information. 

Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and/or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws XXXX much less the standard of compliant reporting of the documented perfect and complete Metro 2 Format compliance of reporting. XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXs current reporting practices are significantly deficient and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified Metro 2 format reporting. 

XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX SUPPORT are reporting inaccurate and incomplete information, in regards to the below noted allegedly derogatory account. 

A complete dissection of XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX and AXXXX XXXX XXXX XXXX XXXXs unlawful reporting is attached to this complaint. The attachment details nearly four years of unsubstantiated 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 non-monetary relief
Consumer complaint received 2025-01-24 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: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account : Regional Acceptance Co Account was showing charged off on XX/XX/XXXX, and I've never received a 1099 from them and it is still, as of today XX/XX/XXXX, still 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 2025-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and JEFFERSON CAPITAL SYSTEMS , LLC were contacted and instructed to Cease and Desist reporting of several currently reported injurious claims ; unproven yet to be factual and physically validated as true, correct, complete, timely and certifiably XXXX XXXX format compliant regarding an alleged XXXX XXXX debt. 

The claim by JEFFERSON CAPITAL SYSTEMS , LLC. was to be checked for requisites and immediately removed from reporting of ONLY factually true, complete, timely, validated and certified allegations. This original Notice was sent XX/XX/year>. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and JEFFERSON CAPITAL SYSTEMS , LLC failed to provide any of the requested information. 

Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and/or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws XXXX much less the standard of compliant reporting of the documented perfect and complete XXXX XXXX  Format compliance of reporting. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and JEFFERSON CAPITAL SYSTEMS , LLC 's current reporting practices are significantly deficient and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified XXXX XXXX XXXX reporting. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and JEFFERSON CAPITAL SYSTEMS , LLC are reporting inaccurate and incomplete information, in regards to the below noted allegedly derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: CA

Complaint narrative:
I attended the XXXX XXXX XXXX XXXX and graduated in XXXX. The whole time I was attending the school I was told my " grants '' would only cover me to take three classes a semester so that's all I took the entire time I was enrolled. A week before graduation everyone would have a " exit interview, '' within the interview I was given a huge packet stating I had aquire student loans thru my time there and that I wouldn't be receiving my diploma if I didn't sign acknowledging that. In XXXX I was reached out by the state district attorney in regards to a case going on ; XXXX XXXX XXXXXXXX. I provided them all my accounts information and provided details of my situation with the school I attended, XXXX XXXX XXXX. In XXXX, I received a letter from XXXX, district attorneys office detailing how XXXX loss the case and how I should be discharged from my loans later on that year. Nothing happened from XXXX end, my federal loans were cleared but XXXX won't assist nor do anything in regards to my private. Eventhough the school was also sued for being proven of making fraudulent loans on behave of student and was forced to shut down in XXXX. In XXXX, I received a form to apply for School misconduct loan forgiveness, two weeks later received a denial with no reason or detail as to why it was denied. I made numerous calls to XXXX to get answers but no response. A month later I received a notice that my loan was being transferred and is now being serviced by Mohela, they are stating that isn't the reason for my denial and that I can no longer apply and that my only option is to pay the loan. Eventhough it has already been proven in court the school pulled those loans with their help without our knowledge as students.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AR

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


CLOSED ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
There is an account on my credit profile that was created in fraud. I have asked the XXXX XXXX XXXX XXXX and all 3 credit reporting agencies to remove the account from my report at once. I have also asked to see the original contract with all wet signatures included. I asked for all of the signatures to be clear and legible. All 3 credit reporting agencies replied and stated they finished their investigation and replied that everything is valid without sending the information that I asked for. This account is fraudulent and should not be listed on any reporting that has to do with me or the social security number attached to me. Once again this false and inaccurate information is causing me to be denied for things that I need and is causing me a great deal of stress. My XXXX XXXXXXXX XXXX XXXX and causing me to miss days of work. There are multiple FCRA and FDCPA and UCC violations. 15 U.S.C 1681, 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( b ) ( 1 ), 15 U.S.C 1681li ( a ) ( 1 ) ( A ), 15 U.S.C 1692e ( 8 ), 15 U.S.C 1692d, UCC 9-210 , UCC 1-308, UCC 9-625.

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 2025-01-24 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: NY

Complaint narrative:
There is an account on my credit profile that was created in fraud. I have asked the XXXX XXXX XXXX XXXX and all 3 credit reporting agencies to remove the account from my report at once. I have also asked to see the original contract with all wet signatures included. I asked for all of the signatures to be clear and legible. All 3 credit reporting agencies replied and stated they finished their investigation and replied that everything is valid without sending the information that I asked for. This account is fraudulent and should not be listed on any reporting that has to do with me or the social security number attached to me. Once again this false and inaccurate information is causing me to be denied for things that I need and is causing me a great deal of stress. My XXXX XXXXXXXX XXXX XXXX and causing me to miss days of work. There are multiple FCRA and FDCPA and UCC violations. 15 U.S.C 1681, 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( b ) ( 1 ), 15 U.S.C 1681li ( a ) ( 1 ) ( A ), 15 U.S.C 1692e ( 8 ), 15 U.S.C 1692d, UCC 9-210 , UCC 1-308, UCC 9-625.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations. 
The disputed accounts ) include : Account Number 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 XXXX XXXX XXXX, I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented Experian 's systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including, police report, identity theft affidavit, account statements, previous dispute correspondence, etc.

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 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi, XXXX ( XXXX ) XXXX XXXX SSN : XXXX Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern, I am submitting a formal complaint regarding a recent credit denial from GM Financial. This denial appears to violate Title 15 Section 1691 of the Equal Credit Opportunity Act, which ensures fair treatment in credit transactions. 

Under Title 15 Section 1691, it is unlawful to discriminate against any applicant based on race, XXXX XXXXeligion, national origin, XXXX XXXXarital status, or age. I believe my application was not evaluated in compliance with these protections. 

I request a thorough investigation and a detailed explanation from GM Financial regarding this denial. Additionally, I am prepared to provide any necessary documentation to support my claim. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation