vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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 was a victim of Identity Theft and the XXXX Data Breach. Many Fraudulent accounts was opened in my name illegally. Causing great harm to my credit and personal life. I have tried to work with Transunion on this matter and Transunion has done nothing. Below are all fraudulent accounts and I am attaching FTC reports and proof of Identity. Please help me remove these illegal accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Subject : Credit Dispute Identity Theft ( XXXX XXXX XXXX ) and FCRA Violations Dear TransUnion Dispute Department , I am writing to formally dispute inaccurate and fraudulent items on my credit report resulting from identity theft. Due to the XXXX data breach, my personal information was compromised, and as a result, unauthorized accounts and inquiries have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute these inaccurate records and demand their immediate removal. 
The following fraudulent items must be investigated and deleted from my credit report : XXXX. XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$1500.00} XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXXXXXX XXXX XXXXXXXX {$180.00} XXXX. XXXX XXXX {$1400.00} XXXX. XXXX {$2800.00} XXXX. XXXX {$7200.00} XXXX. XXXX XXXX As per the FCRA ( 15 U.S.C. 1681c-2 ), I am requesting : The immediate blocking of fraudulent information related to identity theft.

A reinvestigation of the listed accounts and inquiries.

A written confirmation of the removal of these accounts from my credit file.

An updated copy of my credit report reflecting these changes.

Enclosed are copies of the following documents to support my dispute : A copy of my government-issued ID.

A copy of the police report/FTC Identity Theft Report.

Please consider this letter a formal request for compliance under the FCRA. If these inaccuracies are not addressed within 30 days, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take legal action as necessary.

I request written confirmation once this dispute is resolved. Please contact me at [ Your Phone Number ] or [ Your Email Address ] for any further information. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C 5536 ( A ) ( 1 ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provide consumers with the necessary proof of investigation. These are the accounts that i have marked as inaccurate Account Name : XXXX  Account Name:XXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX Account 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 2025-01-24 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an advocacy group assisting me due to human trafficking debt bondage, which falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I respectfully request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the following items : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXX/XX/year>

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 2025-01-24 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: KS

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than 4 business days after the date of receipt by such agency.

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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been contacted repeatedly by XXXX XXXX XXXX via phone and mail regarding a debt that is not mine. XXXX says I owe {$21000.00} on an American Express card. I have never had an American Express Card and they did not even spell my name correctly. This is a fictitious debt and we have contacted them to ask where they got this charge, but they will not explain it to me unless I give them all of my personal information which I refuse to do. The letters and threats of legal action keep coming. We are at a loss of how to stop them from continuing this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. This is the count that I marked as inaccurate, 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 2025-01-24 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: GA

Complaint narrative:
XXXX has failed to fulfill its illegal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau. ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.

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 2025-01-24 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: GA

Complaint narrative:
XXXX has failed to fulfill its illegal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau. ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Every cash app I have made, it has been closed. On top of money being withdrawn from my XXXX XXXX  account that I did not approved. I verify my identity and the accounts closed and does not allow me to transfer my money in or out. I have done nothing except send or receive money also off of my own card/bank. I reached out to a representative and their response was we can not tell you why and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: GA

Complaint narrative:
They filed a collection notice without properly investigating the collection.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
A medical bill from XXXX XXXX XXXX, that I have no knowledge of what this is regarding and are not the original debtor, was added to my Experian credit report. On XX/XX/XXXX, after disputing it three times before to no avail, I sent them a copy of what then XXXX XXXX XXXX had announced on XX/XX/year> as a final rule by the Consumer Financial Protection Bureau to remove medical debt from consumer credit reports. I received notification on XX/XX/XXXX that Experian denied my dispute again to remove it from my credit report.

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 2025-01-24 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: CO

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes! regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX  1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX  1681i. 
which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C XXXX  {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX records. This is pertaining to all creditors including Equifax, XXXX, and XXXX that I'd like actions upon my credit report with what's stated above. I want above accounts removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX, a credit card account opened with XXXX XXXX XXXX  on XX/XX/XXXX, an installment loan account opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX, a mobile phone account opened with XXXX XXXX XXXX on XX/XX/XXXX, a mobile phone account opened with XXXX XXXX XXXX on XX/XX/XXXX, a hard inquiry from XXXX XXXX on XX/XX/XXXX, a hard inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, and a hard inquiry from XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or any of the hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am writing to file a complaint regarding Coinbases handling of my cryptocurrency holdings, which I believe have been unfairly garnished without proper disclosure or justification. As a hard-working investor, I rely on clear and honest practices when managing my investments. Unfortunately, I have encountered significant issues with Coinbase that warrant investigation.

Specifically, I have noticed unexpected reductions in my holdings, which appear to be the result of hidden or undisclosed practices by Coinbase. These reductions have not been adequately explained, leaving me unable to fully understand or account for the loss of my investments. This lack of transparency and accountability has resulted in significant financial harm and undermines trust in the platform.

I believe these practices may violate consumer protection laws and compromise the fairness of financial transactions. I am requesting the CFPB to investigate Coinbases handling of customer holdings to determine whether they are operating in compliance with federal regulations. Additionally, I would like assistance in recovering the losses I have incurred due to Coinbases actions. 

Thank you for your time and attention to this matter. I hope this complaint will help address these issues and prevent other consumers from experiencing similar harm. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX  updated their mobile app and I have been unable to login ever since. I called and spoke to someone who said she would get back to me. I have been calling back ever since and keep being told that their systems are down or they are updating and unable to access the accounts. This has been going on for two days and I have no resolution and I am unable to access my money.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: T.S. Holdings
State: NV

Complaint narrative:
On XXXX I sent a validation letter never received any thing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: OH

Complaint narrative:
A collection was filed and entered onto my credit information inappropriately. The collection company - XXXX XXXX XXXX  - has repeatedly supported the validity of the collection action. It involves supposed back rent due from an apartment complex I previously lived in. I voluntarily moved out of the complex but instead the management company XXXX XXXXXXXX XXXX filed an eviction suit in the XXXX, Ohio XXXX XXXX which was dismissed in a court hearing. So - since the management company filed a suit that was dismissed immediately by the judge they decided to file a collection entry on my credit file. This should NOT have been entered into my credit report. The entry was made by the management company out of spite because they could not collect the debt and it was considered as noncollectable in court. There is a law either in Ohio or or Federally that states a debt in the category such as my debt can not be collected IF the person lives on Social Security which I do. Since the debt can not be collected because of the law that is in effect the debt should NOT be on my credit report. I have filed several disputes with Experian concerning this debt but Experian refuses to even acknowledge all information I have sent to them concerning the debt and simply refuses to remove it from my credit report. This is considered to be illegal refusal by Experian. I simply wish Experian to remove the collection entry on my credit report because of the previous information I listed earlier in this message. However, Experian will not even acknowledge the information the I have submitted to them several times and states the entry is valid as filed by XXXX XXXX XXXX. I need assistance from you, please, in getting Experian to remove the entry on my credit report. I would thank you so very much for your assistance with 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 explanation