vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: NJ

Complaint narrative:
Im reaching out again because my credit reports are still full of inaccurate and unverifiable information, and despite my previous disputes, nothing has been corrected. Ive been dishonored and ignored, and its unacceptable. This complaint also ties into some ongoing CFPB cases, which Ill list below. Charged-off accounts that shouldnt be there are still showing up. These shouldnt be on my reports, and the IRS even treats charged-off debt as income, so why are they being reported as negative? Collection accounts that Ive repeatedly asked for proof on remain. None of the bureaus have provided valid documentation proving I owe these debts, yet they still report them. Experian wont remove bad addresses that Ive told them are incorrect. TransUnion refuses to send my report in the mail like I asked.Equifax wont send my dispute results by mail, making it harder to keep records. This is a problem because FCRA Violations ( 15 U.S.C. 1681i ) They are supposed to correct errors, but they havent. FDCPA Violations ( 15 U.S.C. 1692g ) They havent given me valid proof of these debts. FCRA Negligence & Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) They knowingly left inaccurate info on my report, which has hurt me financially. What needs to happen now is Remove all unverified, inaccurate, and outdated information. Follow federal laws on disputes and reporting. Compensate me for the damage this has caused, at {$1000.00} per violation, payable in lawful money ( 12 U.S.C. 411 ). 
Related CFPB Case Numbers : XXXX XXXX XXXX XXXX I expect this to be handled immediately. If this doesnt get fixed, Ill have no choice but to escalate further. Looking forward to your response.

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 2025-02-03 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: FL

Complaint narrative:
I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/scrub>XXXX 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 explanation
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-03 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: PR

Complaint narrative:
Disputing an incorrect information sent by the bank and the bank is not willing to correct it without me paying them when the loan was closed out and paid in full.

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 2025-02-03 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: FL

Complaint narrative:
I am writing to EXPERIAN to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that EXPERIAN being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors. 
3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with 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 explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I charged {$3400.00} to my Sams club Master card on XX/XX/XXXX. ( I repaid the {$3400.00} ch

arge in full within days ). Company Glass XXXX XXXX XXXXXXXX XXXX XXXX was to replace deck by XX/XX/XXXX pending weather. This was half down payment for project. No work or service was received. I disputed charge after trying to work with the merchant on XX/XX/XXXX. XXXX stated to work with credit card company to get refund. 
The company XXXX XXXX never returned to my home after the contract for deck replacement was signed. I received a check from Synchrony bank check number # XXXX issued on XX/XX/XXXX in the amount of {$3400.00}. I believed the dispute was complete and found in my favor. My card was recharged {$3400.00} on XX/XX/XXXX. 
I have continued and currently have an active dispute with Synchrony bank. Synchrony bank has received documented proof, no work or service was received, and continues to refuse to remove the {$3400.00} charge. 
I have sent all documentation first class mail to confirm the information was documented. 
I sent pictures of my rotting deck, with my credit card statement to prove current date in XXXX. 
I filed a police report with XXXX XXXX Police on XX/XX/XXXX. Report number XXXX The police report stated no work or service was done. Police went to XXXXXXXX XXXX business, ( since phone number was changed ). XXXX XXXX  company stated refund was issued. XXXX XXXX XXXX was to reissue the credit and would be reflected by XX/XX/XXXX. The refund was not issued. 
I sent text threads ( XX/XX/XXXX, and XX/XX/XXXX ) where XXXX XXXX stated the company would refund the {$3400.00} to my account as of XX/XX/XXXXXXXX XXXX XXXX has since changed their phone number, I have had no contact with company since XX/XX/XXXX. 
I continue to dispute this charge and want it removed from my synchrony account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-03 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling 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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
I am writing to formally notify you that I have been a victim of identity theft and that my personal information was compromised in the XXXX data breach and evolve data breach. As a result, fraudulent accounts have been opened in my name without my authorization. I have sent in proof to Experian PROVING THAT THE DEBT DOESNT BELONG TO ME FROM THE CREDITOR AND EXPERIAN STILL REFUSE TO PROPERLY INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS. 
Per my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting an immediate block and removal of the following unauthorized accounts from my credit report : Fraudulent Accounts to Be Removed : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I've sent out letters to Transunion on XX/XX/year> about the inaccuracies on my consumer report. These wrongful pieces of information needs to be accurate according to the Fair Reporting Credit Act ( FRCA ).

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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. Date opened XXXX XXXX Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account can not have a term as there is no agreement between collection agency and myself. Please remove this inaccurate information. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was alerted, allegedly by Chase, that someone has opened a fraudulent account in my name. The account was for a Chase Freedom Card Unlimited. I was informed that the card is in North Carolina. ( I live in California, and have never lived in North Carolina. The person used my Social Security Number.

I was informed that my SSN has been made available in the public domain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: MO

Complaint narrative:
Exact dates : XX/XX/XXXX ; I sent 3 certified letters requesting for forgiveness ( I took out around {$42000.00} and paid back {$47000.00} + ), inform once again about losing my job, as well as asking for SCRA.I stated I could give a good faith payment of {$20.00} a month. I also stated to please stop calling me every hour on the hour for repayment I can not give. I was given responses in mail stating nothing can be done to help me. 

I have XXXX children, an XXXX XXXX military member as a husband. I was told that SCRA is not applied in Missouri, Colorado or Kansas. 

I sent messages in the secured inbox stating I lost my job, and that I could not repay. I have been harassed over and over to the point of exhaustion. 

I was told in XX/XX/XXXX, that I could get no help. The payment plan I was on was on is being cancelled and the only option for me was to have my lower interest repayment plan go up to over 13 % and make an interest only payment plan for 6 months. I stated that will not help me one bit and will drive up the rate once again. I had been working diligently to stay in contact with XXXX XXXX MOHELA through all these years. I know this new rate will only keep me in the cycle for the rest of my life. This is just predatory and they do not care about helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices violating 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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MS

Complaint narrative:
I have complained to the credit bureaus, I have requested information regarding the investigation and I have not received any information regarding to the account. The company is trying to collect under two different names and is reporting inaccurate information to all three credit bureaus.

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 2025-02-03 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: MS

Complaint narrative:
I have complained to the credit bureaus, I have requested information regarding the investigation and I have not received any information regarding to the account. The company is trying to collect under two different names and is reporting inaccurate information to all three credit bureaus.

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 2025-02-03 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: OH

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm trying to change something on my Experian profile. But when I try to log in to Experian, it keeps attempting to send a verification code to an old phone number. ( No option to send a verification code to my email, which has not changed. ) When I call into the toll-free number, it just goes through an endless loop of audio directions, with no option to speak to a live person. VERY frustrating. Worse yet, it asks if you want to sign-up for their Premium Service ( for a fee ), which would allow you to speak to a 'dedicated customer service representative '.

I XXXX  and found a number for their corporate offices in XXXX XXXX, CA. ( FYI, they have moved their corporate headquarters to XXXX, XXXX. ) I called out there and actually got through to a human being.

This is ridiculous and a way to coerce you to sign-up for their Premium Service . Not cool! Please get them to change their customer service policies. Thank you. 
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 explanation
Consumer complaint received 2025-02-03 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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