vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
XXXX XXXX Subject : FCRA Violations Inaccurate Reporting of Charged-Off Account # XXXX Description of Complaint : I am filing this complaint against XXXX XXXX for continuing to report Account # XXXX as charged-off and derogatory after I submitted disputes. XXXX failed to conduct a reasonable reinvestigation as required under FCRA 1681i ( a ) ( 1 ) ( A ) and misrepresented the legal status of the debt in violation of FDCPA 1692e ( 2 ) ( A ). 

The account remains negatively reported without validation or correction, damaging my creditworthiness.

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 2025-03-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX & XXXX Account number XXXXXXXX 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 XXXXXXXX Account number XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681

s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
This is being filed as a follow-up on my last complaint. The company cash app sent a response stating that I would be compensated for the XXXX $ and compensation due due their actions and how they handled the situation unfairly. This was a breach of their website and when tried to get help with my stolen money, they closed my account after talking to customer service about the issue. This prevented me from finding out more and accessing my account. When I asked for a reason they said they didn't have one and that the system does this.

*Now* They are still repeating the same unfairness as before. In the response from the company they said they no longer have the same approach following the lawsuit. But here they are again doing the same thing. I had created another account and had it until I reached out to support with my claim # The agent said there was no such number and she could not help me with my issue. The next time I tried to login it said my account was closed. In my previous complaint I was told by cash app to go into the app customer support and give them the claim number to checkup on when I would get my money. They are leaving me with no options. This is very unfair and unprofessional. I'm not sure if this complaint helps me or not. It seems like it's only a way for someone to get a hold of a company when all other options are not working. I'm not sure if I have to file a lawsuit or if they will give me my money owed to me from the last lawsuit. This company refuses to handle issues regarding fraud against its users and when confronted and looked to for help, they close the account and cut communication. Maybe this company is fraudulent in itself. Their actions resemble that of fraudulent websites. I hope my issue is handled ASAP as my lawyer is on standby waiting to see how they will respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: AZ

Complaint narrative:
I am still XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Please find the attached approved leave of absence documents foXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I took this time off to care for a family member facing a life-threatening condition who unfortunately passed away. Despite this, EdFinancial incorrectly reported my loans as delinquent to the credit bureaus, which has significantly damaged my credit score. As a result, I have been unable to secure housing for myself and my children, putting us at risk of homelessness. 

I have formally requested that EdFinancial correct this error immediately and provide written confirmation of the correction. They did not even bother to investigate the case. 

I will be seeking legal counsel to explore my options for holding EdFinancial accountable for the financial and emotional distress this situation has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: OH

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX/DOFED, for the following account Numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. XXXXDOFED has constantly made mistakes regarding my payments. I have contacted and spoken to XXXX/DOFED on multiple occasions and they have told me that these payments are not to be made through XX/XX/year> due to being in Student forbearance and switching of servicers. Yet, these payments are still being shown as late, which caused a significant drop in my Credit Score reported, which is unacceptable. This information reflected on my credit report is extremely inaccurate. Regardless, payments have still been made while in forbearance. The incompetency and inaccurate reporting has led from my Credit Score going from excellent to unfavorable in a matter of minutes.

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 2025-03-31 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: AZ

Complaint narrative:
I am still a graduate student at Arizona XXXX University. Please find the attached approved leave of absence documents for Fall XXXX and XXXX XXXX semesters. I took this time off to care for a family member facing a life-threatening condition who unfortunately passed away. Despite this, XXXX incorrectly reported my loans as delinquent to the credit bureaus, which has significantly damaged my XXXX XXXX. As a result, I have been unable to secure housing for myself and my children, putting us at risk of homelessness. 

I have formally requested that XXXX correct this error immediately and provide written confirmation of the correction. They did not even bother to investigate the case. 

I will be seeking legal counsel to explore my options for holding XXXX accountable for the financial and emotional distress this situation has caused.

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 2025-03-30 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: TX

Complaint narrative:
Requested the Method of Verification ( MOV ) and Proof of Verification for the following account listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 7 ) and 609 ( a ) ( 1 ). Credit Bureaus did not provide the requested information. 

XXXX XXXX XXXX XXXX XX/XX/year> {$6500.00} XXXX XXXX XXXX XX/XX/year> {$360.00}

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 2025-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After repossession a week later I was contacted by phone from capital on collection department. - representative threatened my credit and wages. Capital one failed to inform me on balance remaking. The car was sold at auction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, I called the collection agency to see if I can be presented with a contract of the debt and they refused to give it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, I called the collection agency to see if I can be presented with a contract of the debt and they refused to give it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the collection accounts listed on my credit report, as they are the result of identity theft. I did not open or authorize these accounts, and I am not responsible for them. 

I recently I noticed reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these fraudulent accounts off of my credit report as they are wrongfully hurting my ability to obtain credit and they do not belong to me. 

The following accounts were fraudulently opened in my name : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I have filed an identity theft report and am requesting the immediate removal of these accounts from my credit file under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2, which states that credit bureaus must block fraudulent accounts resulting from identity theft upon request. 

Enclosed, you will find the following supporting documents : A copy of my identity theft report A copy of my government-issued ID Proof of my current address I demand that these fraudulent accounts be permanently deleted from my credit report immediately to prevent further financial harm. 

Please provide a written response confirming the removal of these accounts. Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. There is fraudulent address and other items being reported on my credit report. My only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX.

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 2025-03-31 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: SC

Complaint narrative:
Dear CFPB I am writing to bring to your attention several items on my credit report that are inaccurately listed and are in violation of the Fair Credit Reporting Act ( FCRA ) under code 15 U.S. 1681, specifically FCRA 623 ( a ) ( 1 ), and the Fair and Accurate Credit Transactions Act ( FACTA ) under 607 ( b ). These errors are adversely affecting my credit score and financial standing.

All three credit agency are reporting three different score?

I am requesting that you remove these erroneous items from my credit report in accordance with FCRA 611 ( a ). It is crucial that my credit report accurately reflects my financial history and standing to ensure fair and accurate credit assessments. 

I kindly ask for your prompt attention to this matter and appreciate your assistance in resolving these discrepancies. Thank you for your cooperation in correcting my credit report. 

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 explanation
Consumer complaint received 2025-03-31 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The interim response I received regarding my dispute, specifically concerning the delay in the reinvestigation of my claim. In their correspondence, they stated that they received my documents seven days ago which was XXXX XXXX XXXX  ; however, this information is inaccurate. Transunion received my documents on XXXX XXXX XXXX, which is well before the date you referenced. I have proof from the United States Postal Office.

This discrepancy raises serious concerns about the timely and accurate processing of my dispute. It appears that there may be an intentional stall in the reinvestigation process, which I find unacceptable, especially considering that the account in question has no link to me, as supported by the evidence I provided.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have several unauthorized inquires on my credit file that that the credit bureaus has refused to remove under the FCRA. They continue to ignore the law that is in place to protect the consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have several unauthorized inquires on my credit file that that the credit bureaus has refused to remove under the FCRA. They continue to ignore the law that is in place to protect the consumers.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureau has dishonored FCRA regulations and my request for verification. I need to XXXX credit bureau 's errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX OF XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally report that a credit card account was opened in my name without my authorization. I have not applied for or approved this account, and I believe it was opened by someone else without my knowledge or consent. 

Please investigate this matter urgently and take the necessary steps to secure my personal information and prevent any further unauthorized actions. I would also appreciate any assistance you can provide in resolving this issue and ensuring that no charges are made to my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: 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 and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF Items TO BE REMOVED XXXX  XXXX BALANCED {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 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 FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have several unauthorized inquires on my credit file that that the credit bureaus has refused to remove under the FCRA. They continue to ignore the law that is in place to protect the consumers.

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