vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing.I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-30 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: TX

Complaint narrative:
Equifax has failed to fulfill its legal obligation under fair credit report act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unfavorable accounts unresolved. The consumer financial protection bureau has recent filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishings, acceptable unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, when Equifax has neither corrected or removed despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: RI

Complaint narrative:
My husband passed XXXX. In XX/XX/XXXX we began th process to close his coinbase account. I was told to creat an account of my own and write them a letter with account holder info and who to transfer to. I was asked to validate a photo which was done including death certificate, probate document confirming me as XXXX  and his will. Since XXXX anytime you try to contact them you can not get a live agent. I have sent in all requested info numerous times. When you do they change the claim number. Ive spent countless hours in que with no updates. On XX/XX/XXXX I was told this would be resolved within 2-5 days and NO updates. I need help getting the account moved to mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: DE

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2025-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX of 2023 I found out I was the victim of identity theft. I contacted the four energy companies that were used to open fraudulent accounts in my name, filed all required paperwork, and received receipt that my identity debt was not my responsibility by all four companies. One company still has the collection due on my credit report. I called again to rectify the situation spending almost two hours on the phone and was told I would be called back by an agent assigned to my account. Its a month later and no one has contacted me and the charges still remain on my credit report.XXXX XXXX the was the original company where the identity theft occurred. The collection company is called XXXX XXXX XXXX the amount of {$470.00}. Phone number ( XXXX ) XXXX. Address : XXXX XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Settled Account Still Showing a Write-Off The account is reported as " Paid in settlement '' with a " {$14000.00} written off. '' Once settled, the balance should reflect as XXXX without a charge-off designation. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Incorrect Payment History The payment history incorrectly lists " CO '' ( Charge-Off ) for multiple months in XXXX, even after the account was settled and closed. This misrepresentation affects my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm Capital Ones right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within five ( 5 ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
This company has two social security numbers attached to me. I was told they will not delete them due to it as being attached to an account. over 10 addresses, 4 different names attached to me. This Company is already aware of unauthorized charges from XXXX techs I.e. signing me up for credit monitoring but I didnt authorize the charge. This company is aware of multiple fraud alerts I had present and past.

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 2025-01-30 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: PA

Complaint narrative:
When I checked my credit report today, I found accounts that shouldnt be there, and I have no explanation for why they appeared. I regularly monitor my credit, but this time, I noticed errors that I hadnt seen before. I attempted to refresh my browser, thinking it might be a display issue, but the inaccuracies didnt go away. Due to this problem, I am requesting a thorough review of the documents I submitted to ensure I wont have to deal with this concern again.

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 2025-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an unauthorized account that has appeared on my TransUnion credit report. I believe I am a victim of identity theft, as this account does not belong to me. The account is listed solely on TransUnion and does not appear on my XXXX or XXXX reports, which strongly suggests it may be fraudulent. 

The account in question is : Account Number : XXXX Company Name : XXXX Account Type : Installment Account Amount : {$120.00} Company Address : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX CA XXXX I have no knowledge of or affiliation with XXXX nor have I authorized any transactions with them. This account appears to have been opened without my consent or awareness, and I suspect it is a result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. Section 1681i, I request that TransUnion investigate and remove this unauthorized account from my credit report. This account is not valid, and its presence is negatively affecting my credit profile.

To support my claim, I will be providing a police report and an FTC Identity Theft Report, which document the details of this fraudulent activity. I ask that these documents be reviewed in conjunction with my request to remove the unauthorized account. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please notify me once the account has been investigated and removed from my credit report. 

Thank you for your assistance.

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 2025-01-30 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: PA

Complaint narrative:
This morning, I noticed that my credit report contained incorrect accounts, and I have no idea how they got there. When I checked my report as I usually do, I was surprised to find unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccuracies remained. Because of this, I kindly request that the documents Ive provided be thoroughly reviewed so that I wont have to worry about this issue again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: VA

Complaint narrative:
I am writing to request the removal of certain items from my credit file. I am a victim of identity theft and have identified multiple accounts and inquiries on my credit report that I did not apply for. I have attached a XXXX document outlining the specific items that I believe need to be deleted. 

In accordance with Section 605B of the Fair Credit Reporting Act, I respectfully request that these fraudulent items be blocked from my credit report. I have also filed a report with the Federal Trade Commission regarding this identity theft, and I have enclosed a copy of that report for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding inaccurate collection accounts that have been reported on my credit file by all three major credit bureausXXXX, XXXX, and TransUnion. These accounts do not belong to me, and despite multiple disputes, the credit bureaus continue to verify them as accurate without providing proper validation. 

Details of the Issue : The credit bureaus are reporting collection accounts that are not mine. 
I have disputed these accounts multiple times, yet they remain on my report as verified without sufficient proof of their legitimacy. 
I have requested that the bureaus provide documentation showing that these accounts are valid and belong to me, but I have not received any adequate response. 
These inaccuracies are negatively impacting my credit score and financial standing. 

Actions Taken by Me : I formally disputed these accounts with XXXX, XXXX, and TransUnion. 
I requested verification and supporting documentation for these accounts. 
Despite my disputes, the bureaus continue to report the collections as accurate without proper validation. 

Requested Resolution : I request a thorough investigation into these accounts. 
If the bureaus can not provide proper documentation proving that these accounts belong to me, they should be immediately removed from my credit reports. 
I request that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and provide a clear explanation of their verification process. 

This matter is urgent as it is affecting my financial opportunities. I expect a timely resolution in compliance with federal consumer protection laws. 

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 2025-01-30 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:
To Whom It May Concern, I am submitting this complaint regarding inaccurate collection accounts that have been reported on my credit file by all three major credit bureausXXXX, Equifax, and XXXX. These accounts do not belong to me, and despite multiple disputes, the credit bureaus continue to verify them as accurate without providing proper validation. 

Details of the Issue : The credit bureaus are reporting collection accounts that are not mine. 
I have disputed these accounts multiple times, yet they remain on my report as verified without sufficient proof of their legitimacy. 
I have requested that the bureaus provide documentation showing that these accounts are valid and belong to me, but I have not received any adequate response. 
These inaccuracies are negatively impacting my credit score and financial standing. 

Actions Taken by Me : I formally disputed these accounts with XXXX, Equifax, and XXXX. 
I requested verification and supporting documentation for these accounts. 
Despite my disputes, the bureaus continue to report the collections as accurate without proper validation. 

Requested Resolution : I request a thorough investigation into these accounts. 
If the bureaus can not provide proper documentation proving that these accounts belong to me, they should be immediately removed from my credit reports. 
I request that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and provide a clear explanation of their verification process. 

This matter is urgent as it is affecting my financial opportunities. I expect a timely resolution in compliance with federal consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
Please review this complaint thoroughly, as it was submitted intentionally and with careful consideration. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. Despite my efforts to resolve this, the issue persists, causing me considerable stress and 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 2025-01-30 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: GA

Complaint narrative:
I am submitting a complaint against Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove these inaccuracies, Experian has not fullfilled it's legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C 1681e ( b ) ) and conducting a proper re-investigation to remove these errors within the required 30 day period ( 15 U.S.C 1681i ( a ) ).

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 2025-01-30 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX. account number : 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 2025-01-30 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX. account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: CA

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I viewed my Transunion report on XX/XX/year> and noticed that some things are inaccurate and incomplete. 

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 general, lf, 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
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: 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 violates 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