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: 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: CA

Complaint narrative:
I have sent multiple dispute letters to Equifax and Transunion regarding inaccurate information on my credit report. Despite providing evidence, Equifax and Transunion has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : Equifax and Transunion has not ensured the maximum possible accuracy of the information in my credit file. 
15 USC 1681s-2 : Equifax and Transunion has continued to report inaccurate information after I provided notice of disputes. 15 USC 1681 ( 5 ) : Equifax and Transunion has reinvestigated and reinserted disputed items without notifying me, as required by law. 15 USC 1681c ( c ) : Equifax and Transunion has reported obsolete information that should have been excluded from my credit report. Recently, I became aware of the lawsuit filed by the CFPB against Experian on XX/XX/XXXX titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors. '' According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing with Equifax and Transunion. 
Equifax and Transunion failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities. This account has been charged off since XX/XX/XXXX but the creditor XXXX are falsely telling Equifax and Transunion that this account is open which is lie. This company has also been falsely making payments to this closed charged off account which is fraudulent activity. Equifax and Transunion continue to ignore all of the errors and inaccurate information Ive been providing for this account that needs to be deleted. Ive asked this company if this debt was true, to please provide me with a 1099 C form and they refused to provide me with that accurate information. Attached to this complaint will be my last complaint I filed about this inaccurate account. Experian has already deleted this account for the very same inaccurate information being reported. This account needs to be deleted immediately! This account is flooded with inaccurate information. My next steps if this account isnt removed, I will be filing a claim against Transunion and Equifax.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXXXXXX - {$680.00} XXXX  - XXXX - {$1900.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed 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 2025-02-07 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: MI

Complaint narrative:
I would like the XXXXXXXX XXXX account removed off all three credit reports. The reason is because I do not owe this mortgage company any money. I sold my home in XXXX The second reason is because this account has been on my credit reports for XXXX years and XXXX months. This account has ran its course and should 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 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 status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I would like the XXXXXXXX XXXX account removed off all three credit reports. The reason is because I do not owe this mortgage company any money. I sold my home in XXXX  The second reason is because this account has been on my credit reports for XXXX years and XXXX  months. This account has ran its course and should be removed.

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 status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I would like the XXXXXXXX XXXX  account removed off all three credit reports. The reason is because I do not owe this mortgage company any money. I sold my home in XXXX The second reason is because this account has been on my credit reports for XXXX years and XXXX months. This account has ran its course and should 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 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: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, 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 re-investigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that 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 ), XXXX 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 promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
XXXX. Correct or delete any information that can not be verified on my profile for XXXX per 15 usc 1666b. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]

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:
I have been fighting the credit bureaus and XXXX XXXX for years because someone was using the credit card in my name. XXXX XXXXXXXX and now XXXX is not mine on the credit report. XXXX XXXX was not mine and proven not to be mine and it is still showing in some credit bureaus but my main concern right now is removing a XXXX XXXX bank account credit card for XXXX dollars which started out to be {$300.00}.

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
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: GA

Complaint narrative:
I have been fighting the credit bureaus and XXXX XXXX for years because someone was using the credit card in my name. XXXX XXXXXXXX and now XXXX is not mine on the credit report. XXXX XXXX was not mine and proven not to be mine and it is still showing in some credit bureaus but my main concern right now is removing a XXXX XXXX bank account credit card for XXXX dollars which started out to be {$300.00}.

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 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: NC

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 see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I am requesting a false collection be removed from my credit report that I have repeatedly tried to correct from the collection agency : National Credit Systems This was placed on my credit report incorrectly and I have requested National Credit Systems to send me the documentation, on numerous occasions, of said debt, to no avail. I have also sent, on numerous occasions, documentation showing there is no debt owed to National Credit Systems. This is causing undue stress and hardship. I am asking that this be removed from my credit report and investigated. National Credit Systems is not acting in god faith and is violating consumer protection laws, particularly regarding clear communication about the debt and proper validation procedures. 

Best regards, XXXX XXXX XXXX XXXX

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 a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
EQUIFAX DATA BREACH SETTLEMENT Based on the information you provided ; our records indicate your personal information was impacted by this incident.

For more information, visit the FAQ page. 

For XXXX XXXX XXXX XXXX, please call Experian at XXXX and provide engagement number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
EQUIFAX DATA BREACH SETTLEMENT Based on the information you provided ; our records indicate your personal information was impacted by this incident.

For more information, visit the FAQ page. 

For XXXX XXXX XXXX XXXX, please call Experian at XXXX and provide engagement number XXXX.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that was fraudulently opened in my name due to identity theft. 

Please remove late payments fraudulently accounts : XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately.

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : XXXX. A copy of my government-issued ID. 
XXXX. A copy of a recent utility bill ( to verify my address ). 
XXXX. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: TN

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 appropriate redress 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: 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:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within XXXX  days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX Account # : XXXX Balance : {$7000.00} XXXX XXXX Account # : XXXX Balance : {$7800.00} XXXX XXXXXXXX XXXX  Account # : XXXX Balance : {$6700.00} XXXX XXXX Account # : XXXX Balance : {$1900.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 explanation
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:
refunded and return to me they took a lot of money from me and stole my account and never got it back

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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXXXXXX XXXX XXXX**** - {$10.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

Company response to consumer: Closed with non-monetary relief