vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On the date of XX/XX/year> Thur XX/XX/year> there were numerous transactions that I never authorized nor have any kind of knowledge of the transactions. When I first realized this it was because Wellsfargo stop this person from taking any more money due to the fact they used the limit allowed by my bank. When I went onto my bank account I noticed all these transactions so I immediately contacted the merchants which were XXXX XXXX  and XXXX  explaining to them that these payments were made without my knowledge and we're unauthorized payments/ deposits I also contacted my bank to dispute these charges that were made on and between XX/XX/year> and XX/XX/year> that were from XXXX and XXXX XXXX casino. I was so upset confused worried and so many other emotions that some how the person miss understood me or I miss understood them I'm unsure but some how other charges from previous dates were also added onto this dispute since I'm guessing some of the charges were from a few months ago my dispute automatically got denied but I never meant for any other charges besides the ones from XX/XX/XXXX until XX/XX/XXXX from XXXX XXXX and XXXX XXXX charges be disputed thoses were the fraudulent charges as for the other ones that were added on to that dispute I don't know personally don't remember but I know if they were fraudulent I would have contacted back then but I know the ones I'm trying to dispute are fraudulent. When I explained this mistake to the bank they said I couldn't do anything else what is done is done but I wasn't aware of the other charges on the dispute or I would of fix the problem before it was ever denied. Now I have lost XXXX to someone or something that stole and made these fraudulent transactions.

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 2025-02-25 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: SC

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
- Hello, I am now trying to use and build my credit for the first time now in 2025. As I proceeded to do this I saw that my credit score was very low and saw plenty credit reports and accounts and collection accounts that arent mine and i have no knowledge of. i never applied for or used any of the accounts on my credit report before this year. I was XXXX  a couple years back and believe my information was used fraudulently. Ive only applied for one account this year for the first time which is currently active and in good standing. i will just like these negative accounts and improper use of my identity from the past out of my credit report so i can build a good relationship with credit companies and build my score.

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I contacted the companies listed in my credit report requesting verification of the debts stated. I provided my personal information to verify my identity and was told I needed to provide a credit card to receive this information. I called each company more than once to talk with different employees and was told the same by each of them. They refused to provide any kind of verification on the debt owed. I contacted the following companies on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company names and amounts listed on my credit report are as follows. 
LVNV Funding LLC : {$270.00} ; {$650.00} ; {$890.00} ; {$1500.00} XXXX XXXX XXXX XXXX : {$4000.00} ; {$2300.00} XXXX XXXX XXXX : {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.

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 2025-02-25 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: IL

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per USC 1681g, I formally ask for their deletion within 15 days. Relevant documents are attached for yaour review.

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 2025-02-25 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: MS

Complaint narrative:
Reporting fraudulent inaccurate information on my credit report. I have request that they provide the purchase agreement to show full ownership of such account and also other document so I may review to se if this actually an account that belongs 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 explanation
Consumer complaint received 2025-02-25 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: LA

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion 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, TransUnion '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 against companies for similar violations. 

The rapid turnaround time of TransUnions responses suggests that no meaningful review of my supporting documentation was conducted. Instead of engaging in a proper reinvestigation as required by law, TransUnion appears to be relying on automated or superficial verification processes that fail to address the substantive errors I have identified.

As a result of TransUnions failure to investigate my disputes adequately, I have suffered financial harm, including but not limited to denial of credit opportunities, higher interest rates, and damage to my credit reputation. TransUnions negligence has caused undue stress and inconvenience, forcing me to repeatedly dispute the same inaccuracies without meaningful resolution.

I am requesting that TransUnion conduct a thorough reinvestigation of the disputed items, provide a detailed explanation of the steps taken, and furnish evidence supporting the accuracy of the reported information. Additionally, I seek appropriate corrective actions, including the removal of any unverifiable or inaccurate information from my credit file.

If TransUnion continues to fail in its legal obligations, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I also reserve the right to pursue legal action to seek damages for TransUnions noncompliance with federal consumer protection laws. 

Please consider this my formal request for compliance and immediate corrective action regarding this matter. 
The Following Accounts 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 2025-02-25 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'm a victim of identity theft and XXXX XXXX in 2002 I was able to escape my situation. When I escaped my XXXX he stole my social security card, birth certificate, and my identification card when I discovered my identifying documents were missing I immediately filed a restraining order and a police report I've sent in a copy of my restraining order, police report and a copy of my report validating that I am in fact a victim to all three credit bureaus with every fraudulent account attached to the reports XXXX and XXXX immediately removed all accounts and my information Experian did absolutely nothing they refused to remove anything and has continued to allow me to be victimized even further.

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 2025-02-25 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
Im writing to request the immediate removal of unauthorized inquiries from your company on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
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 XXXXXXXX TransUnion XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Formal Complaint Regarding Inaccurate Reporting on My Consumer Credit Report Dear XXXX, XXXX, TransUnion, and XXXX, I XXXX XXXX XXXX XXXX a natural person , am formally submitting this dispute regarding the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly disputed these violations, yet my requests for a proper investigation have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable investigation violates my rights under federal law.

One of the primary inaccuracies pertains to my account with XXXX XXXX XXXX. Specifically, this account does not list my payment history, yet it has been reported as negative on my consumer file. Additionally, you have failed to provide me with verifiable proof of the alleged late payments in a timely fashion before reporting such derogatory information on my consumer report. 


Your failure to investigate and correct these inaccuracies is in direct violation of 15 U.S. Code 1681i ( Fair Credit Reporting Act ) and 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ). As per my rights under these federal statutes, I am formally demanding : 1. Immediate removal of the inaccurate accounts and negative marks associated with my XXXX XXXX XXXX account and any other unverifiable information. 
2. A detailed explanation and proof of how and when you verified the accuracy of these reported items.

3. A complete reinvestigation into all disputed items to ensure full compliance with federal regulations.

Failure to comply with my request within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to protect my rights.

I expect a response to this formal complaint within 30 days as required by federal law. Please send all correspondence and documentation regarding this dispute to my contact information listed above. 

Sincerely, 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Formal Complaint Regarding Inaccurate Reporting on My Consumer Credit Report Dear XXXX, Experian, XXXX, and XXXX, I XXXX XXXX XXXX XXXX a natural person , am formally submitting this dispute regarding the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly disputed these violations, yet my requests for a proper investigation have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable investigation violates my rights under federal law.

One of the primary inaccuracies pertains to my account with XXXX XXXX XXXX. Specifically, this account does not list my payment history, yet it has been reported as negative on my consumer file. Additionally, you have failed to provide me with verifiable proof of the alleged late payments in a timely fashion before reporting such derogatory information on my consumer report. 


Your failure to investigate and correct these inaccuracies is in direct violation of 15 U.S. Code 1681i ( Fair Credit Reporting Act ) and 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ). As per my rights under these federal statutes, I am formally demanding : 1. Immediate removal of the inaccurate accounts and negative marks associated with my XXXX XXXX XXXX account and any other unverifiable information. 
2. A detailed explanation and proof of how and when you verified the accuracy of these reported items. 
XXXX. A complete reinvestigation into all disputed items to ensure full compliance with federal regulations. 

Failure to comply with my request within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to protect my rights. 

I expect a response to this formal complaint within 30 days as required by federal law. Please send all correspondence and documentation regarding this dispute to my contact information listed above. 

Sincerely, 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 2025-02-25 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-25 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-25 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 15 USC 1681. XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX/XXXX  : # XXXX, has violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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