vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I am writing XXXX inform you that the response provided by the company does not address or resolve the core issue raised in my original complaint. They continue XXXX report inaccurate information on my credit report, XXXX their reply fails XXXX correct or even acknowledge this inaccuracy. 

XXXX Account # XXXX I request that the CFPB continue its investigation into this matter XXXX hold the company accountable for failing XXXX report accurate XXXX verifiable information as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your continued 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 2025-04-21 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 writing to inform you that the response provided by the company does not address or resolve the core issue raised in my original complaint. They continue to report inaccurate information on my credit report, and their reply fails to correct or even acknowledge this inaccuracy. 

XXXX Account # XXXX I request that the CFPB continue its investigation into this matter and hold the company accountable for failing to report accurate and verifiable information as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your continued 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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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, Cashapp failed to take timely and effective measures to prevent address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolutions 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 2025-04-21 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: MI

Complaint narrative:
CFPB Complaint Statement : Request for Permanent Deletion of Reinserted Accounts I am submitting this complaint to formally dispute the improper reinsertion of accounts that were previously removed from my credit report. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were correctly removed from my Equifax credit report after a prior investigation. However, they have now been reinserted without any notice or proper verification documentation, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). Per the law, if a credit bureau reinserts a previously deleted account, they must notify me in writing within 5 business days and include a certification from the furnisher that the account is accurate. I have not received any such notice or documentation. 

Additionally, this action is non-compliant with Metro 2 reporting standards, which dictate how account information should be accurately and properly reported. Re-reporting previously deleted information without updated validation is a serious breach of data integrity and my consumer rights. 

I am requesting that the CFPB investigate this matter and take action to ensure that : 1. These accounts are permanently deleted from my credit report. 
2. Equifax is held accountable for failing to comply with FCRA and Metro 2 guidelines.

3. I receive written confirmation once the deletion is finalized. 

I am attaching supporting documentation showing the previous removal and reappearance of these accounts. 

Thank you for your assistance in protecting my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
XXXX XXXX  has not informed the credit bureaus to remove the charge off. 

The balanced was paid already and its now {$0.00}. I have gotten my legal documents notarized and XXXX XXXX  needs to remove the charge off, off my credit or i will look into taking them to court. They sold the debt to XXXX XXXX XXXX, and the balance was paid. 

XXXX  by XXXX is still illegally holding me and my spouse in a timeshare that we legally got out of. We went though XXXX XXXX XXXX, and i have legal documentation from them, that we are no longer owners of this timeshare and our names cant be found in the database. 

I ATTACHED CREDIT REPORTS SO YOU COULD FIND ME AND MAKE NO EXCUSES I HAVE SUBMITTED THIS COMPLAINT TO THE ATTORNEY GENERAL, XXXX, GOVERNOR AND I GOT A NOTARY SIGNATURE

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 2025-04-21 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:
XXXX XXXX  has not informed the credit bureaus to remove the charge off. 

The balanced was paid already and its now {$0.00}. I have gotten my legal documents notarized and XXXX XXXX  needs to remove the charge off, off my credit or i will look into taking them to court. They sold the debt to XXXX XXXX XXXX, and the balance was paid. 

XXXX  by XXXX is still illegally holding me and my spouse in a timeshare that we legally got out of. We went though XXXX XXXX XXXX, and i have legal documentation from them, that we are no longer owners of this timeshare and our names cant be found in the database. 

I ATTACHED CREDIT REPORTS SO YOU COULD FIND ME AND MAKE NO EXCUSES I HAVE SUBMITTED THIS COMPLAINT TO THE ATTORNEY GENERAL, XXXX, GOVERNOR AND I GOT A NOTARY SIGNATURE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: 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.

15 U.S.C 1681 section 602 A. States 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 a account without my written 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-04-21 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: OH

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
The loan terms are extremely predatory and should not be allowed to be reported to Expedian in California

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 2025-04-21 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:
There are fraudulent items on my credit report that I did not authorize or benefit from. Ive already reported this to the Federal Trade Commission, but the items are still showing. This needs to be fixed immediately.

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 2025-04-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of A. Charge-Offs & Collections ( Fraudulent ) XXXX. XXXX XXXXXXXX XXXX XXXX ( Charge-Off ) - Account : XXXX - Balance : {$450.00} - Status : Charged-off ( Fraudulent ) - Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnisher failed to verify accuracy. 
XXXX. XXXX XXXX XXXX ( Charge-Off ) - Account : XXXX - Balance : {$3100.00} - Status : Charged-off ( Fraudulent ) - Violation : FCRA 605 ( a ) ( 4 ) Reporting outdated information. 
XXXX. XXXX ( Charge-Off ) - Account : XXXX - Balance : {$0.00} ( Fraudulent ) - Violation : FCRA 605 ( c ) ( 1 ) Reporting beyond 7-year limit. 
XXXX. Collections ( Fraudulent ) - XXXX XXXX XXXX ( {$180.00} ) - XXXX XXXX XXXX  ( {$430.00} ) - Violation : FDCPA 807 ( 8 ) False representation of debt.

B. Late Payments ( Unverified & Fraudulent ) Per FCRA 611 ( 15 U.S.C. 1681i ), you must verify or delete these late payments : - XXXX XXXX XXXX XXXX late payments Fraudulent ) - XXXX XXXX XXXX  XXXX XXXX XXXX late payments Fraudulent ) - XXXX XXXX ( Late payments Fraudulent ) These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NH

Complaint narrative:
I disputed inaccurate late payment entries on my XXXX XXXX account ( # XXXX * * * * ) with TransUnion, specifically the false 30-day late payments reported for XXXX, XXXX, and XX/XX/year>. Despite submitting evidence that all payments were made on time, TransUnion has failed to correct the account and continues to reflect inaccurate negative marks in violation of FCRA 1681s-2. I request the Method of Verification used to confirm this data and demand that TransUnion immediately update the payment history to accurately reflect all payments as OK or Current.

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 2025-04-21 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
COLUMBIA DEBT RECOVERY failed to verify a collection account that they placed on my XXXX XXXX XXXX XXXX credit report. They failed to show proof that this account is mine, and to produce a sales agreement. I reached out to COLUMBIA DEBT RECOVERY on XX/XX/XXXX to VALIDATE this information and to provide me a sales agreement which they did not respond to. I will attach this letter below with the certified mail receipt. On XX/XX/XXXX I submitted another dispute with XXXX Report # XXXX, which on XX/XX/XXXX they returned it as " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' They proceeded then to send me a Lease Agreement which does not constitute definitive proof that I owe them, or that this debt is even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MO

Complaint narrative:
I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is 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 XXXXXXXX. 
Please promptly remove this data within 4 business day under 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

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 2025-04-21 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XX/XX/year>, I was supposed to get our monthly statement so that we could make our monthly payment. I always pay off the total balance on all my credit cards and other accounts. After noticing that I had not received the XXXX statement, I contacted the company. They told me that they had a glitch in their system, and that's why our statement was never emailed to us. They told us that if we paid the past due balance, they would waive the late fees and interest charges. Our account had the XXXX amount due and the XXXX amount due, which made us go over our limit. I have been getting notices from all the credit card companies, including XXXX, XXXX, XXXX XXXX, etc., saying that we had been overcharged on our account from TD Bank. My credit score went from XXXX to XXXX. This is something that I take very seriously. I want them to contact the credit reporting companies and let them know that it was a mistake on their part and to restore my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I was reviewing my consumer report and noticed inaccurate information. The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies ( CRAs ), like XXXX XXXX and XXXX follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. This includes investigating disputes about the accuracy of information and providing consumers with recourse when CRAs fail to meet their obligations. The FCRA also places obligations on furnishers ( those who report information to CRAs ) to provide accurate and complete information and to investigate consumer disputes, as well as to implement reasonable procedures to ensure the accuracy and integrity of information.

This is a violation of 15 U.S. Code 1681i a 1 A.

Please remove the following information as it is a duplicate claim and is being reported twice and was opened mistakenly by the insurance company.

Section 8 : Automobile Insurance Claim Records Record 3 Claim number : XXXX Claim Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-21 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 violate the Consumer Finacial 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 finacial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Mercury Technologies, Inc.

Complaint narrative:
I tried to open a business bank account on Mercury for my organization ( non-profit LLC ) but the bank always refuses to open my account without giving a reason for the refusal.

Company response to consumer: Closed with explanation