vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: GA

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. 


Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-07 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: GA

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. 


Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-07 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 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 non-monetary relief
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
Requested validation and verification of debt for account and information was not provided. This information was requested in XXXX and XX/XX/XXXX and again in XX/XX/XXXX but was never received. 

Information that was requested : proof of debt, signed contract, insurance claim, chain of title, original creditor information and right to collect. 

Disputed with Equifax and accounts remained on my reports without any validation or verification proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
Its really frustrating to know my credit score has been suffering because of accounts that arent even mine. Its been weighing on me for a while, and I cant help but wonder what opportunities Ive missed because of it.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 ( 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 redres : for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
At this point, Im honestly losing patience. Ive been asking for months for these inaccurate accounts in pending litigation to be removed from my credit report. Ive reached out multiple times, and each time, Im left with no resolution.

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 2025-02-07 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: NV

Complaint narrative:
I recently filed an identity theft report on charges and accounts appearing on my credit report. There are 3 accounts. " XXXX XXXX '' opened on XX/XX/XXXX with a {$7400.00} balance. " XXXX XXXX '' opened on XX/XX/XXXX with a {$0.00} balance. " XXXX XXXX '' opened on XX/XX/XXXX with a {$5000.00} balance. PLEASE NOTE : The " Date Discovered '' and " Date Fraud Began '' on identity theft are switched.

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 2025-02-07 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: 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 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 2025-02-07 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: GA

Complaint narrative:
Experian failed to investigate my disputes properly. I would start a dispute and then in less than XXXX hours, it would come back as valid, without providing me with the info I requested. 
Experian failed to delete inaccurate information from my credit file. 
Experian failed to prevent the improper reinsertion of previously deleted information. 
Experian failed to convey consumers ' disputes to furnishers fully and accurately. One of my accounts shows as delinquent when it is not.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding TransUnions failure to conduct proper investigations. Specifically, in a lawsuit filed against TransUnion, the CFPB alleges the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that TransUnion : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Name Account Number Amount *JPMCB Card Services XXXX {$7000.00} XXXX XXXX XXXX XXXXXXXX {$61000.00} XXXXXXXX XXXX XXXX {$5500.00} XXXXXXXX XXXX XXXXXXXX {$6900.00} XXXX XXXX XXXX XXXXXXXX {$2800.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXXXXXX {$760.00} XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX {$7600.00} XXXXXXXX XXXX XXXX XXXXXXXX {$3200.00} 2 . Provide me with all documentation used to verify the accuracy of the disputed information.

3. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect TransUnion to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter. 
If TransUnion fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately. 

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 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I woke up to a variety of different online company emails accounts opened in my name with my email. I then noticed a hard inquiry pull on my credit by Capital one that said I have been approved and my card was on the way with a limit of {$300.00} which I DID NOT apply for! I contacted Capital one to notify them they said I will get a letter showing they have cancelled that account because it wasnt me and they will notify credit agencies about the situation within XXXX hours or so. This inquiry happened XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In my initial complaint filed with CFPB, I requested that Equifax delete certain accounts listed in CFPB complaint # XXXX. 
Equifax made updates to my credit file but did not delete or remove fraudulent /inaccurate accounts and continue to violate several laws to include 15 USC 1681n ( Civil Liability for Willful Non-compliance ) Willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. Additionally, as a consequence to me for filing complaints against Equifax, Equifax has begun retaliation methods towards myself which is a violation of the FCRA which protects consumers from retaliation by credit bureaus. As of XX/XX/year> I successfully logged into my Equifax online account and made an update to my phone number within my account ( and confirmed by receiving a confirmation email of the change from Equifax at XXXX ). Approximately XXXX minute later the website booted me out. I attempted to log back into the Equifax website ( without the need to manually enter my password as my browser automatically prefills the saved username and password for me ), however, I was immediately prompted to call Equifax. I attempted XXXX more times to login to no avail. I then called Equifax and was on hold for XXXX minutes before finally reaching a representative. The representative performed troubleshooting methods with me including using the " Need Help Signing In '' feature, to no avail. The representative escalated my situation over to the technical help department in which that department is scheduled to reach back out to me via email for further assistance in gaining access to my Equifax account. In summary, it appears Equifax has blocked my access to my account so as to not be able to view any updates ( or the lack thereof ) to my credit file, as a consequence for filing complaints against them with the CFPB and FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I need to all three bureaus to remove all incorrect addresses, name or information from my credit report. Im going to attach my drivers license that reflects my only address and my full name as it is.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I need to all three bureaus to remove all incorrect addresses, name or information from my credit report. Im going to attach my drivers license that reflects my only address and my full name as it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: MN

Complaint narrative:
At this point, Im honestly losing patience. Ive been asking for months for these inaccurate accounts in pending litigation to be removed from my credit report. Ive reached out multiple times, and each time, Im left with no resolution.

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 2025-02-07 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: GA

Complaint narrative:
I have been trying hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. Equifax keeps disregarding crucial legal regulations 15 USC 1681, 15 USC 1681i ( 5 ) ( B ) ( i ) ( 6 ) ( 7 ), 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ), 15 USC 1692, 15 USC 1692c , and more. With the recent CFPB lawsuit against XXXX for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX XXXX -LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS XXXX XXXX XXXX XXXX XXXX XXXX - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity XXXX XXXX XXXX XXXX XXXX XXXX  - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to request specific information regarding the above-referenced account for my personal records. To ensure the accuracy of my financial information, I kindly ask for written confirmation of the following details:1. The first date of delinquency for this account. 2. The date of the last payment received. 3. The date the account was officially charged off.Please provide these details in writing within 30 days. I appreciate your cooperation and look forward to your prompt response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis Consumer Center XXXX XXXX XXXX XXXX, GA, XXXX I am requesting a security freeze be place on my Consumer Disclosure report. I opt out of you disclosing future information until further notice including the XXXX report and other reports furnished LexisNexis regarding all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.Only personal information on my file should be listed below any other is in error and must be deleted immediately My information is clearly shown below : Name : XXXX XXXX XXXX XXXX SSN : XXXX Tel : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ENCLOSED : PHOTO ID & SOCIAL SECURITY CARD After this credit freeze has been filed, please send written confirmation to the address listed above. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief