vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: VA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-02-13 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: WI

Complaint narrative:
Enclosed is proof that the account XXXX XXXX is reporting inaccurate information on TransUnion. TransUnion has late payments reporting for XXXX XXXX account, yet XXXX is reporting no late payments for XXXX XXXX. I requested that TransUnion investigate for maximum reporting accuracy with the XXXX XXXX  account and remove the late payments but of course TransUnion seem to practice XXXX  with Sham Investigations. Simply " parroting '' information from a Data Furnisher without an actual independent verification constitutes willful non-compliance, as affirmed in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX ). I am filing this complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions TransUnion consistently respond immediately 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, TransUnion actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceeding. ( File No.2025-CFPB-0002 ) against other bureaus for similar violations. I request that the CFPB take action to ensure TransUnion complies with 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: VA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: VA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NC

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX/ XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file. 

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet XXXX XXXX has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the consumers financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effectively measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-13 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: PA

Complaint narrative:
XXXX has taken back a previously sold debt, which may be a violation of federal consumer protection laws. 
Originally, this alleged debt was sold by XXXX to XXXX XXXX XXXX XXXX XXXX attempted to collect on it but failed to provide proper validation, including : A copy of the original signed contract A Purchase Agreement proving they legally owned the debt A 1099-C form proving whether the debt was written off Since XXXX XXXX XXXX could not validate the debt, they returned it to Fingerhut/WebBank. However, if XXXX previously sold the debt, they no longer have the legal right to collect on it or report it to credit bureaus. 
Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), XXXX must now validate the debt before attempting to collect or report it. I have formally requested : A copy of the Purchase Agreement between XXXX and XXXX A full account history, including proof that I agreed to the debt A 1099-C tax form if XXXX wrote off the debt XXXX  has failed to provide this information, yet they are now attempting to collect on or report a debt that was previously sold. This raises serious legal concerns, including : Possible tax fraud If XXXX claimed the debt as a loss and issued a 1099-C, it is illegal for them to attempt to collect on it again. 
Illegal re-aging of debt Reporting an old, previously sold debt as new to credit bureaus violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ). 
Unfair debt collection practices XXXX is trying to collect a debt that was already transferred to another company and then returned without legal proof of ownership. 
Requested Resolution : XXXX must immediately remove any reporting of this debt from my credit report. 
XXXX must provide the requested documentation proving they legally own the debt. 
If the debt was previously written off, they must provide a 1099-C form proving it was canceled. 
If XXXX can not provide this documentation, they must permanently cease all collection and credit reporting activities related to this account. 
If XXXX fails to respond, I will escalate this matter to the Federal Trade Commission ( FTC ), my State Attorney General, and the Internal Revenue Service ( IRS ) for potential tax 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 2025-02-13 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:
Hello, TransUnion report showing several unauthorized inquiries & an address I never lived at. Froze my report to prevent further unauthorized inquiries. 


XXXX XXXX XXXX XXXX XXXX, WA XXXX Date Reported XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual XX/XX/XXXX XXXX XXXX po box XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX MO XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX : Account number : XXXX XXXX : Account number : XXXX ( Original ) : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
XXXX  THE SUPERVISOR OF EQUIFAX ON XX/XX/year> AT XXXX XXXX EST. 

PUT THE COLLECTION ACCOUNT BACK ON MY CREDIT REPORT THAT WAS SHOWING AS XXXX XXXX XXXX  AS AN ACT OF RETILIATION. 
SHE ALSO CHANGED THE DATES OF THIS ACCOUNT WHICH ARE FRAUDLENT. 

IN ADDITION, XXXX IS NOT FOLLOWING THE NEW LAW THAT CFBP HAS PUT INTO PLACE THAT NO MEDICAL BILLS ARE TO BE SHOWN ON A CREDIT REPORT ( RULE V ) OF CFPB.

REMOVE OR GET SUED AND WILL BE FILING CORPORATE COMPLAINT WITH EQUIFAX XXXX IS COMMITTING FRAUDLENT REPORTING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a Capital One Savor card and under the terms of the agreement, I am able to make as many monthly payments as I wish, without any penalty. 

I made one payment of {$1400.00} which was returned by my bank. This was not an amount due, rather a choice of mine to make an extra payment. 

My account was fully paid up and never late. 

Without any notice, Capital One closed my account. I had to find out by having my card declined and call them, then to be explained that they had decided to close my account due to one returned payment.

This is false marketing and misleading to a customer which wishes to make extra payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Waiting on a wire return from Discover bank. They claim XXXX XXXX  has the funds. Funds were for a house purchase in amount of over XXXX. This is my life savings. I've waited XXXX weeks for the funds and spent XXXX extra expenses due to not getting funds back. I have called Discover dozens of times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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.
State: CA

Complaint narrative:
I am requesting that you certify that all the data associated with this account is accurate and belongs to me. If you are unable to verify the accuracy of all the information, I demand that the entire account be deleted from my record.

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 2025-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
I have XXXX payments on my student loan. It is one consolidation loan with XXXX part, sub and unsub. I was told me Dept. of Ed that I have exceeded the time needed in repayment for forgiveness. I was also told by EDFinancial the same thing. I have email from both saying this. I am in the XXXX payment plan. However, I am eligible for the XXXX program. I meet all eligibility. I requested to move from XXXX to XXXX back in XXXX of XXXX. I was told by ED Financial they can not process my application because I have already met the number of payments required for loan forgiveness. There is no court case, federal rule, or law that prevents a student from moving from one payment plan to another based on the number of payments they have been in repayment. Every federal or servicer website encourages students to look at all factors and determine which payment plan is best for each of us. It also says we can switch plans. I applied through XXXX and ED Financial blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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