vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2025-04-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a credit inquiry made by Citi Bank on XX/XX/year>, which appears on my credit report. This inquiry was not authorized by me, XXXX XXXX XXXX, and I have not provided Citi Bank with consent to access my credit information for any reason. 

I have contacted Citi Bank directly and spoken with their representatives regarding this matter. However, I have yet to receive satisfactory evidence that validates the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ) and relevant federal guidelines, including those outlined by the U.S. Code as taught and referenced at XXXX XXXX XXXX, I am exercising my legal right to request verification and proper documentation of the inquiry in question.

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 2025-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
I arranged an appointment with the hair service provider " XXXX XXXX XXXXXXXX XXXX '' for XX/XX/year>, at XXXXXXXX XXXX XXXX, which was initially set for XX/XX/year>, at XXXX XXXX. According to the information provided on their booking website ( XXXX XXXX XXXX ), the stylist offers comprehensive services that require an additional fee for hair to be supplied by them. The booking site specifies that a deposit of {$100.00} is necessary to confirm an appointment that includes these " hair included services. '' After scheduling my appointment, I sent the deposit via Cash App, as directed by the website, which is the stylist 's preferred method for receiving deposits. My appointment was successfully booked following the deposit submission. 

Initially set for XX/XX/XXXX, I fell ill and rescheduled for XX/XX/year>, at XXXX XXXX, which is permitted only once according to the stylist 's policy. On XX/XX/XXXX at XXXX XXXX XXXX, I received an email from " XXXX '' concerning my XX/XX/XXXX appointment. This email address is not listed on their website as a contact option, indicating it is the stylist 's personal email. In the email, the stylist informed me that they did not have the necessary hair available for my appointment, despite having sufficient time to prepare since my booking on XX/XX/XXXX. I replied to the stylist, explaining that rescheduling would not be feasible, as I needed the service completed before my event on XX/XX/year>, which was my birthday. I requested a refund of my deposit. I sent my response at XXXXXXXX XXXX XXXX but the stylist did not reply and ceased all communication. Consequently, I did not receive the goods or services for which I had paid the deposit, placing full responsibility on the stylist. 

I contacted Cash App to dispute the transaction, providing evidence that the stylist failed to deliver the service, but my dispute was denied. On XX/XX/XXXX, I reached out to Cash App again to request the documentation that led to the denial of my dispute, but I have yet to receive a response. While I acknowledge that the stylist 's website states that deposits are non-refundable, I believe this applies only when the service is fully rendered. The website does not specify any policies regarding the refund of a deposit when the service provider is at fault. 

Cash App denied my dispute, stating, Based on the information available to us, our investigation has led us to determine that the merchant fulfilled their obligations for the goods/services associated with this transaction. As a result, your dispute has been denied. This leads me to believe that Cash App did not adequately investigate my case, as I did not receive the complete service I requested and for which I paid a deposit, due to the service provider 's failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MoneySpot USA LLC DBA Sunshine Loans
State: TX

Complaint narrative:
MoneySpot USA is in Direct Violation of The Fair Credit Reporting Act ( Acct # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NC

Complaint narrative:
I have numerous unverified and inaccurate inquiries on my report. Starting with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under ( XXXX ) XXXX The accounts below have violated my nights. 
15 U.S.C 1681 section 602A. States i have the right to privacy. 
XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my writen instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any oter adverse kem of Intomason, coner than recoras of corncoons of crimes wrch anicones ue repon oy more tian seven cars 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information reiating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below XXXXXXXX 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 explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$9700.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$11000.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$570.00} XXXX. Account name : XXXX  Account opened : XX/XX/XXXX Amount owed : {$560.00} Inquiries Account name : XXXX XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXXAccount name : XXXX Amount Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX Amount Opened XXXX XX/XX/XXXX XXXXAccount name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXXAccount name : XXXX XXXX  Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX Amount Opened : XX/XX/XXXX XXXX name XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX Amount Opened : XX/XX/XXXX 17.Account name : XXXX Amount Opened : XX/XX/XXXX XXXX XXXX : XXXX Amount Opened : XX/XX/XXXX XXXXAccount name : XXXX Amount Opened : XX/XX/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 2025-04-03 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: IL

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-04-03 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would e for all listed accounts to be blocked and deleted company informatio ansunion. Please delete the following accounts, XXXX  XXXX Account # XXXX {$700.00} I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account XXXX  XXXX Account # XXXX $ XXXX Account # XXXX {$0.00} XXXX XXXX XXXX Account # XXXX {$1800.00} XXXX  Account # XXXX {$440.00} XXXX XXXX Account # XXXX {$540.00} XXXX  Account # XXXX {$390.00} XXXX XXXX  Account # XXXX {$430.00} XXXX  Account # XXXX {$1200.00} 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing a {$33000.00} collection account reported by XXXX XXXX XXXX, which is being reported as related to a XXXX XXXXXXXX XXXX I submitted a formal dispute to Experian and requested an investigation and verification of the debt in accordance with the Fair Credit Reporting Act ( FCRA ). I also filed complaints with the California Department of Consumer Affairs and the California Office of the Attorney General, and both agencies referred the matter to their respective enforcement divisions. 

Experian acknowledged receipt of my dispute and stated that the results were available. However, I was unable to view the outcome online and have not received any written confirmation, resolution, or documentation showing how the account was verified. The account remains on my credit report without transparent communication or proof of validation. 

I am requesting that Experian provide full documentation supporting the continued reporting of this account, or remove the item if it can not be verified in compliance with FCRA guidelines.

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 2025-04-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Fecha : XX/XX/XXXX Experian Information Solutions Inc . 
po box XXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-04-03 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: CO

Complaint narrative:
This is not mine remover this attached copy of my credit report. XX/XX/year>. XXXX XXXX XXXX states I am behind. And the credit reporting agencies refused to send me supporting documents on this. I called the office today

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 2025-04-03 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: NJ

Complaint narrative:
I hope this letter finds you in good health and high spirits. I am writing to formally dispute the continuation of an entry on my credit report concerning a XXXX XXXX account with a balance of {$350.00} that remains, inexplicably, on my file despite several unsuccessful attempts at resolution. This account, which has been improperly investigated by the credit bureaus, continues to tarnish my credit report and my financial reputation. 

I am both disappointed and dismayed that despite a number of attempts to remedy this issue, the credit bureaus have failed in their duty under the Fair Credit Reporting Act ( FCRA ) to conduct a proper, thorough, and meaningful investigation. Their attempts at validating the account have not only been incomplete but fundamentally flawed. Theyve violated the spirit and letter of consumer protection law by maintaining an inaccurate and unjustified entry on my credit reports. 

According to the FCRA, when a consumer disputes an item on their credit report, the credit bureaus are legally obligated to conduct a reasonable investigation. The mere act of verifying an account does not satisfy this requirement. In my case, the account should never have appeared on my credit report in the first place. Its ongoing presence, especially after several challenges, is not only a stain on my financial standing, but also an utter disregard for the rights I, and every consumer, am afforded under federal law. 

Here are the key points that underscore why this account must be removed immediately : 1. Failure to Properly Investigate : The credit bureaus have done little more than glance at my dispute without any substantial review of the facts, as required by law. Their investigations were neither thorough nor complete. This is an egregious breach of their legal obligations. 

2. Inaccurate Reporting : The continued reporting of this account is a violation of the Fair Credit Reporting Act ( FCRA ) as the information is erroneous and the result of flawed reporting practices by the creditor. This is a clear violation of the consumer 's right to accurate information under Section 1681e ( b ). 

3. Impact on My Financial Life : This accounts continued presence on my report is not just an inconvenience ; it is actively harming my ability to access credit, loans, and basic financial opportunities. This impact is tangible and can not be ignored.

Company response to consumer: Closed with non-monetary relief