vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing a complaint against Equifax, Experian, and TransUnion for failing to respond to my credit disputes within the legally required timeframe. Back in XXXX and XX/XX/year>, I submitted multiple disputes to each of these credit bureaus, requesting investigations into inaccurate information on my credit reports. 

Despite the Fair Credit Reporting Act ( FCRA ) requiring a response within 30 days, I have yet to receive any formal acknowledgment, investigation results, or supporting documentation from any of the bureaus. Their failure to respond is a clear violation of federal law. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to ensure the credit bureaus comply with their legal obligations. Since they have exceeded the 30-day compliance period, I am demanding the immediate removal of the disputed items from my credit reports, along with formal written confirmation that the necessary corrections have been made.

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
After having only had my PayPal account for around 3 weeks and during which time there were only two transactions made using my account, one of which was a test payment I sent to a friend for less than {$1.00} and the other a {$25.00} Goods & Services payment for a concert ticket that I sold to a buyer who decided to file a frivolous payment dispute which thankfully resulted in the claim being closed in my favor after I provided irrefutable evidence that I did in fact transfer the ticket to the buyers XXXX account after receiving payment. When speaking with customer support to find out why after having the claim closed in my favor were the funds still being held I received an email informing me that my account temporarily restricted pending the receipt of proof of address, photo ID bank statement documents needed to remove the restriction. I immediately provided the requested documents and within minutes of doing so the restriction changed from temporary to permanent with no further explanation. Based on the fact that the activities in my account were well within PayPals TOS, I find it unbelievable that a reputable company like PayPal can issue a permanent ban to an account without having to even provide any explanation as to what led to their decision or to at least have the option to appeal the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX first while celebrating XXXX XXXX  in XXXX XXXX I lost my phone which had a wallet attached containing my debit card, a credit card, my drivers license and my cash app card after gaining access to my accounts through my XXXX later on that day I notice a number of unauthorized transactions there were 12 withdrawals from my XXXX  checking account into my cash app card all within minutes of each other then some of the money was transferred to a XXXX XXXX through 5 transactions also within minutes and a bank transfer of XXXX to someones bank account all of this within minutes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pulled my credit report and found some inaccurate accounts that were reporting. I have made a list of all the inaccurate accounts that I would like to removed. please review all of the my documents and remove the account that are list. see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled my credit report and found some inaccurate accounts that were reporting. I have made a list of all the inaccurate accounts that I would like to removed. please review all of the my documents and remove the account that are list. see attached

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 2025-02-20 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: CCS Financial Services, Inc.
State: WI

Complaint narrative:
In accordance with the fair credit reporting act, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose. 

XXXX sold my information to Credit Collection Services without my written permission or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$300.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX. XXXX, XXXX placed a collection on my credit reports without sending me any notifications therefore I was not able to dispute. This is a violation of 15 U.S. Code 1692g - Validation of debts. this states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. However, they have failed to do this and are in direct violation of the FDCPA.

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 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have ownership of the vehicle. I sent them proof of ownership, documents of UCC-1 Financing Statement ownership of security interest, 1099-A, and 1099-C. Upon securitization of deal # XXXX, for the collateral of vin # XXXX, XXXX XXXX  XXXX XXXX. I Secured Party have rightful ownership and security interest in aforesaid collateral. Also filed a 3949-A to IRS for their fraudulent actions and theft.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

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 2025-02-20 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: NY

Complaint narrative:
These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX XXXX : {$1600.00} : Open : XX/XX/XXXX XXXX XXXX : {$3000.00} : Open : Unknown XXXX XXXX : {$670.00} : Open : XX/XX/XXXX Hard Inquiry : XXXX  XXXX Based on the CFPB recent lawsuit against the unethical agencies for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I request that your agency to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any fraudulent information from my credit report.

Failure to comply with the FCRA and other applicable laws will result in legal action, as seen in cases such as Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ).

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 2025-02-20 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:
I am a victim of identity theft the accounts I have mentioned in this report do not belong to me and needs to be removed.

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: AZ

Complaint narrative:
Every month I use my card to pay for services, groceries, bills XXXX. Every month the bank and XXXX freeze my account under because it's outside of my normal spending. It is not outside of my normal spending. This is causing issues with my bills being late being unable to purchase food and medication. They can't be allowed to keep people 's money from them and then provide no solution to correct the problem when I call them. XXXX is no help neither is the bank when I call. They won't remove the block on my card no matter if tell them it was me making the purchases or not. They tell me that I have to go to the store to make a purchase with the card. I can't even barely walk so I hardly leave my house. I don't have a car for transportation and no family that can help with it either. Making purchases online is the only choice I have to get what I need and they prevent me from doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-20 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-20 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: FL

Complaint narrative:
I recently pulled my credit report and found some inaccurate accounts that were reporting. I have made a list of all the inaccurate accounts that I would like to removed. please review all of the my documents and remove the account that are list. see attached

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 2025-02-20 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: TX

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 2025-02-20 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: FL

Complaint narrative:
Unauthorized Hard Inquiries - Request for Immediate Removal I am writing to formally dispute unauthorized hard inquiries that appear on two of the bereus ( Experian and Transunion ) in my credit report in violation of 15 U.S. Code 1681b and 15 U.S. Code 1681n under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following inquiries that I did not authorize : EXPERIAN XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX via XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX Credit Card XX/XX/XXXX XXXX. XXXX XXXX Credit Card XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX of XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX According to 15 U.S. Code 1681b, consumer reporting agencies may only provide credit reports for specific permissible purposes, such as with my direct authorization or in connection with a legitimate credit transaction. I did not grant authorization for the above-listed companies to access my credit report, making these inquiries a violation of my rights under the FCRA. Additionally, per 15 U.S. Code 1681n, entities that willfully obtain a consumer report under false pretenses or without a permissible purpose are subject to legal liability, including actual and statutory damages, punitive damages, and attorneys fees.

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX XXXX : {$1600.00} : Open : XX/XX/XXXX XXXX XXXX : {$3000.00} : Open : Unknown XXXX XXXX  : {$670.00} : Open : XX/XX/XXXX Hard Inquiry : XXXX  XXXX Based on the CFPB recent lawsuit against the unethical agencies for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I request that your agency to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any fraudulent information from my credit report.

Failure to comply with the FCRA and other applicable laws will result in legal action, as seen in cases such as Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ).

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 2025-02-20 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: IL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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