vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion for its continuous failure to properly investigate my credit dispute and the repeated re-addition of inaccurate information to my credit report, which is in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\ I have been disputing this issue with TransUnion since 2022, yet they have failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Despite multiple disputes and supporting documentation proving the inaccuracy of the information, TransUnion has either failed to correct the error or has repeatedly reinserted the inaccurate information without proper verification or notification.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit reporting agency is prohibited from reinserting previously deleted information unless it provides written notice to the consumer within five business days and obtains certification of accuracy from the furnisher. TransUnion has violated this provision by re-adding the disputed item ( s ) without proper notification or certification of accuracy.

This ongoing negligence has significantly harmed my credit profile and financial opportunities, including [ list any consequences you've faced, such as denial of credit, higher interest rates, etc. ]. 

I have attached copies of my previous disputes, TransUnion 's responses ( or lack thereof ), and supporting documentation to substantiate my complaint. I appreciate your prompt attention to this matter and request that appropriate action be taken against TransUnion for its noncompliance with federal consumer protection laws. 
Thank you for your assistance. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion for its continuous failure to properly investigate my credit dispute and the repeated re-addition of inaccurate information to my credit report, which is in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\ I have been disputing this issue with TransUnion since 2022, yet they have failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Despite multiple disputes and supporting documentation proving the inaccuracy of the information, TransUnion has either failed to correct the error or has repeatedly reinserted the inaccurate information without proper verification or notification.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit reporting agency is prohibited from reinserting previously deleted information unless it provides written notice to the consumer within five business days and obtains certification of accuracy from the furnisher. TransUnion has violated this provision by re-adding the disputed item ( s ) without proper notification or certification of accuracy.

This ongoing negligence has significantly harmed my credit profile and financial opportunities, including [ list any consequences you've faced, such as denial of credit, higher interest rates, etc. ]. 

I have attached copies of my previous disputes, TransUnion 's responses ( or lack thereof ), and supporting documentation to substantiate my complaint. I appreciate your prompt attention to this matter and request that appropriate action be taken against TransUnion for its noncompliance with federal consumer protection laws. 
Thank you for your assistance. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-02-04 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-04 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: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion for its continuous failure to properly investigate my credit dispute and the repeated re-addition of inaccurate information to my credit report, which is in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\ I have been disputing this issue with TransUnion since 2022, yet they have failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Despite multiple disputes and supporting documentation proving the inaccuracy of the information, TransUnion has either failed to correct the error or has repeatedly reinserted the inaccurate information without proper verification or notification.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit reporting agency is prohibited from reinserting previously deleted information unless it provides written notice to the consumer within five business days and obtains certification of accuracy from the furnisher. TransUnion has violated this provision by re-adding the disputed item ( s ) without proper notification or certification of accuracy.

This ongoing negligence has significantly harmed my credit profile and financial opportunities, including [ list any consequences you've faced, such as denial of credit, higher interest rates, etc. ]. 

I have attached copies of my previous disputes, TransUnion 's responses ( or lack thereof ), and supporting documentation to substantiate my complaint. I appreciate your prompt attention to this matter and request that appropriate action be taken against TransUnion for its noncompliance with federal consumer protection laws. 
Thank you for your assistance. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-02-04 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: DC

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing a formal complaint regarding an unauthorized account that XXXX XXXXXXXX XXXX has reported under my name. Despite multiple attempts to resolve this matter directly with the company, they have failed to respond or provide the requested information. Below are the details : Account Number : XXXX Type : Revolving Credit Credit Limit : {$300.00} Date Opened : XXXX XXXX XXXX I never opened this account. I reached out to XXXX XXXXXXXX XXXX  to determine how it was opened, but they refused to provide this information. Their lack of transparency and failure to investigate violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which requires furnishers to ensure accurate reporting. Additionally, their inaction breaches the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e, prohibiting deceptive and unfair practices. 

I demand that this fraudulent account be immediately deleted from my credit report. XXXX XXXX XXXX failure to respond and refusal to verify the account leaves me no choice but to escalate this matter. If not resolved promptly, I will consider legal action for noncompliance with consumer protection laws. 

I request the CFPB to intervene and require XXXX XXXX XXXX to : Provide documentation proving I authorized this account. 
Remove this account from all credit bureaus. 
Confirm in writing that the account has been deleted. 
Within 3 days as this account has become a hindrance to me and defamation of my character

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit management has failed on several occasions including XX/XX/scrub>XXXX XXXX and XXXX to validate debt and provide documentation as required that they can collect and are the valid custodian of said or believed debt. 

According to the FAIR CREDIT REPORTING ACT, falsely reporting a debt as an original debt is in violation of rules and procedures of the act. Not validating the debt with 30 days and providing the requested instrument of validity are in direct breach of the law. Continuing to report false statements on a consumers report, is in direct violation of the law and consumer has the right to file for remedies and damages against the company for these actions if not remedied. 

On XXXX by certified mailing the company was notified of my request XXXX and delivered on XXXX. The company never replied. The company was again notified on XXXX, and XXXX with the same non response outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am contacting you this time to get back the balance in my account ( {$840.00} )! My account was deactivated in early 2022! And square releases my account balance after 90 days of deactivation! But up to now my account is still unable to withdraw the remaining amount to my designated bank account! 
My square account is not frozen in any judicial case! I understand that you froze my account balance for 90 days to prevent account disputes and refund problems! But now 2 years have passed without any pending disputed orders in my account! Please release the money in my account in accordance with square 's terms and conditions! Let me reiterate that I do not need to use the square account anymore! My account can remain deactivated! I just need the money back in my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, my bank of america account got closed with literally no reason and after that i was informed that i will get the balance with check by mail. 
They said they sent it on XX/XX/XXXX, but i still didnt get the check. 

I got tracking number from them but on XXXX system, they only created label of package and it is not even arrive to XXXX. 

I tried to solve the problem by informing the situation to both BOA and XXXX, but i m getting any specific solution or update about my check Please help me out with this matter as the amount of money is big and important for 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 monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Galaxy Capital Acquisitions, LLC
State: TX

Complaint narrative:
Galaxy International Purchasing , LLC. is attempting to collect a debt that I do not know what is for. It is not on my credit file. They have not sent anything in writing. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
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 2025-02-04 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: PA

Complaint narrative:
On XXXX XXXX XXXX, I filed a dispute with Experian regarding that XXXX XXXX XXXX XXXX had fraudulent balances on my credit report which violate Fair Credit Reporting Act. Experian failed to remove the account on my credit report and inserted a different higher balance on the XXXX XXXX account that I do not owe.

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 2025-02-04 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: TN

Complaint narrative:
This account was charged off on the following date XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged account should not include an active payment history. This is an accurate information falsely manipulates the statute of limitations. on top of that its also reporting two different account close dates on two different credit bureaus which is an accurate You failed to investigate this account properly and your neglect has violated my rights. I am demanding a payment history. This an accurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX 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 2025-02-04 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: IL

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-02-04 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: VA

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 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