vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: AL

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding TransUnions mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with TransUnion s handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my TransUnion 's credit report : XXXX XXXX account number XXXX Despite submitting evidence to support my dispute, TransUnion failed to conduct a proper investigation. Specifically : 1. Sham Investigations : TransUnion failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from TransUnion vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that TransUnion may have improperly reinserted information I previously disputed and believed to be corrected. 
XXXX actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If TransUnion the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If TransUnion can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 
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 2025-01-29 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:
I am filing a complaint against cash app, due to inadequate customer service and unfair practices. Which is a violation of the Consumer financial Protection Act. Cash app failed to Take timely effective measures to prevent an address fraud on their platform Leaving my account, vulnerable and unprotected Furthermore, their dispute process was unfair and deceptive As they did not comply with errors and Resolution requirements under the electronic fund transfer act. Those act has made financial loss I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After multiple attempts of different transactions are only information they sent me was a {$10.00} in the mail denial later on XX/XX/XXXX I deposit {$20.00} in Capital One. I want XX/XX/year> and XXXX ACH transfers all three that I initiated after XXXX XXXX fraud knew my plans and charge my account and refuse to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
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. Futhermore, 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 2025-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
As of XX/XX/year> it is illegal to post medical debts on all credit reports, XXXX, XXXX, XXXX XXXX and XXXX collectively. Recently Wakefield & Associates posted a collection against me on all credit bureaus after they were notified of the recent regulations change. Accordingly, I respectfully request the permanent removal of this collection for {$800.00}. The federal regulations are on my side and they were updated by the Consumer Financial Protection Bureau. AA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
Ive called into all three credit bureaus to keep my credit locked and somehow the Fraudsters are still able to call them and get it unlocked. Experience notify me that my information is being linked on the dark web and by them, knowing that I would think they should go through the two security measures for anyone to get in my account I have multiple hard inquiries on my credit report due to the Fraudster bank accounts and credit cards even been opened I have been notifying the credit bureau to keep my account locked with the double security even in my PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 


expect that all necessary steps will be taken to rectify this situation promptly.

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 2025-01-30 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: OH

Complaint narrative:
Ive called into all three credit bureaus to keep my credit locked and somehow the Fraudsters are still able to call them and get it unlocked. Experience notify me that my information is being linked on the dark web and by them, knowing that I would think they should go through the two security measures for anyone to get in my account I have multiple hard inquiries on my credit report due to the Fraudster bank accounts and credit cards even been opened I have been notifying the credit bureau to keep my account locked with the double security even in my PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 


expect that all necessary steps will be taken to rectify this situation promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: CT

Complaint narrative:
XXXX XXXX reports that I have been late 4 times. I have never been late. The dates that they have reported late via telephone care are different than whats reported on my credit report. I have never been late. 

Dates reported late XXXX XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( 2 ) is a section of the Fair Credit Reporting Act ( FCRA ) that requires people who provide information to consumer reporting agencies ( CRAs ) to correct and update that

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 2025-01-29 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as lat
e, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
My mother purchased a {$100.00} visa gift card on XXXX for my birthday, but it was completely drained the moment it was activated. I have been working with the dispute process, but after receiving a replacement card for the disputed funds to be returned too, I have received no further response. When I called I was told I would get a replacement card and that would be all, but after I received an email needing further information, I gave the necessary information but have been ignored since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-30 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: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ Agency Address ] [ City, State, Zip Code ] Subject : Dispute of Inaccuracies on Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccuracies on my credit report as provided by your agency. Upon reviewing my report, I have identified several discrepancies requiring correction. 

XXXX. **Account InformatioXXXX : - **Account Name** : XXXX XXXX XXXX - XXXX XXXX : The report indicates this account was closed on XX/XX/XXXX, but it also shows a reported balance of {$17000.00} as of XX/XX/XXXX. This is contradictory, as a closed account should not have an outstanding balance. 
- XXXXHighest Balance** : The report states a highest balance of {$36000.00} and indicates that I've paid off 50 % of this loan. However, the payment history indicates that I've only made 19 % of payments on time, which raises concerns about the accuracy of the reported information. 

2. **Payment History** : The payment history reflects an inconsistent pattern with markings indicating missed payments XXXX XXXX XXXX XXXX  several months. I request a detailed breakdown of these payments to verify their accuracy. 

XXXX. **Loan Overview** : The loan is reported as opened on XX/XX/XXXX, with a term of 72 months. I would like clarification on the status of this loan and any relevant payment records that pertain to it. 

In compliance with the Fair Credit Reporting Act, I request that you investigate these discrepancies and provide written verification of your findings. If any information is found to be inaccurate, I ask that it be corrected or removed from my credit report. 

Enclosed are copies of my credit report highlighting the discrepancies along with any relevant supporting documents. I appreciate your prompt attention to this matter and look forward to your prompt 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 non-monetary relief
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX SSN : XXXX XXXX  Subject : Dispute of Inaccurate Credit Reporting Under the FCRA I am writing to formally dispute the accuracy of the account reported by XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXn my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. However, I have identified multiple discrepancies in the reporting of this account. 
Specifically, I noticed the following inconsistencies : The balance amount is different between Experian ( {$3800.00} ) and XXXX ( {$3800.00} ). 
The past due amount does not match across bureaus. 
The payment status reported by Experian states that the account was assigned to an attorney or collection agency, while XXXX only lists it as a Collection Account. 
The Last Reported Date differs between Experian ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 
The Date Last Active does not match between Experian ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 
The payment history on XXXX reflects both XXXX XXXX XXXXXXXX XXXX ) and XXXX  ( Current ), which is contradictory. 
Under the FCRA, I request that this account be deleted due to the account not reporting correctly. 

I have mailed this letter via certified mail XX/XX/XXXX and it was ignored. 
Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
I reached out and I let them know that the spelling of my address and names were not accurate and I needed them removed because they were reporting incorrect information and they refused to remove them since they stated that they were verified to be correct. I asked for them to show me what they used to verify the information and they denied me the information. I asked that if they are unable to spell my name correctly how can I be certain that they are reporting accurate information about me. They declined to answer the questions that I asked and continued to state that the information that was provided was correct.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reached out and I let them know that the spelling of my address and names were not accurate and I needed them removed because they were reporting incorrect information and they refused to remove them since they stated that they were verified to be correct. I asked for them to show me what they used to verify the information and they denied me the information. I asked that if they are unable to spell my name correctly how can I be certain that they are reporting accurate information about me. They declined to answer the questions that I asked and continued to state that the information that was provided was correct.

Company response to consumer: Closed with explanation