vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear TransUnion Dispute Department, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX 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 ( XXXX XXXX ) - XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) - XXXX Fraudulent Inquiries to Be Removed : XXXX - XXXX XXXX XXXX Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect TransUnion to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect TransUnion to provide a detailed explanation, including the evidence used to verify its accuracy.

Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC

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 2025-02-16 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report I was paying on. Once I noticed this I immediately took action. These fraudulent accounts are hurting my ability to obtain credit. Please remove all fraudulent accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates acquired my delinquent credit card account when the credit card company sold them my information. This credit card was opened in an earlier year than is reported by Portfolio Recovery Associates on my credit file. I have tried a couple of times to dispute this to no avail. It has been said that a dispute can not lower your credit score, but the second dispute I made with this company acctually did lower my credit score, and that is when I noticed the date of when I acctually opened the account was changed. It has been just a little over 7 years since that credit card account has been closed and it should fall off my credit report now. But the way Portfolio Recovery Associates has it on my report, it seems that it will never be removed. This company seems very predatory and I am not giving them anything! Maybe I waited too long to report this, but this is the only collection agency that I have issues with. Financial issues are inevitable in this life, and I am doing my best at present to pay up my credit card bills, and I simply need Portfolio Recovery Associates to go away and stop calling me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: MN

Complaint narrative:
This is a follow up complaint against Equifax reporting an alleged collection account from XXXX XXXX XXXX XXXX against me on my Equifax credit profile. I looked up XXXX XXXX XXXX XXXX XXXX on the XXXX and can't find any Collection Agency License for the State of Minnesota. I have submitted a copt of my findings for the CFPB, Attorney General 's Office and XXXX to take a look at. XXXX XXXX XXXX isn't licensed anywhere from where I can see to conduct business collecting in the State of Minnesota. It is my point of view that violations against the Fair Credit Reporting Act ( FCRA ) have been committed by Equifax for letting this report against me. I'm requesting this be immediately removed from my credit. This is my final attempt to clear this matter up before legal action is taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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:
In XX/XX/XXXX, I was seeking a loan from a bank, but I have not used my credit since XXXX due to a serious identity theft incident. In that year, my social security number was stolen by XXXX XXXX and XXXX XXXX, who opened multiple credit cards in my name, ultimately leading me to declare bankruptcy. Since then, I have refrained from using credit and have never checked my credit report. However, I recently discovered three charges from " XXXX 's '' on my credit report from XXXX. I have never heard of XXXX 's and did not authorize any credit card from them. I have made numerous disputes with XXXX 's, as well as with Experian, XXXX, and XXXX, explaining my situation and asserting that I am a victim of identity theft. Despite my efforts, XXXX 's insists that I must have made these purchases, citing the timing of my disputes as evidence. However, I believed my credit had not been used since XXXX, and I only became aware of these charges recently. Additionally, I informed XXXX 's that I do not live in Nevada, where the charges were made, and I provided documentation of my addresses over the past XXXX years. Unfortunately, despite my clear evidence and repeated attempts to resolve this issue, XXXX 's has sent my account to collections. I find it deeply unfair that my credit is suffering due to charges I did not incur, and I am being held responsible for credit cards I never applied for. I have invested countless hours, time, and money trying to rectify this situation, and I am determined to clear my name and restore my credit.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Remove from transunion, equifax, experian all inaccurate names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX remove immediately. Remove inaccurate addresses : XXXX XXXX XXXX removed. Inaccurate acct without proof of signed consent and orginal Proof that the collection agency has the right to collect the debt. Any judgments obtained. Demonstrate the Debtis still valid under the statute of limitations 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Remove from transunion, equifax, experian all inaccurate names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX remove immediately. Remove inaccurate addresses : XXXX XXXX XXXX removed. Inaccurate acct without proof of signed consent and orginal Proof that the collection agency has the right to collect the debt. Any judgments obtained. Demonstrate the Debtis still valid under the statute of limitations 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b )

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 2025-02-16 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: OH

Complaint narrative:
As of recent my account shows past due and my credit has dropped drastically. I recent disputed the accounts XX/XX/XXXX because of my personal information being exposed. I have not received any updates from the disputed but now my scores are super low this is not acceptable.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
As of recent my account shows past due and my credit has dropped drastically. I recent disputed the accounts XX/XX/XXXX because of my personal information being exposed. I have not received any updates from the disputed but now my scores are super low this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to follow up on my formal dispute regarding multiple fraudulent accounts on my credit report, as outlined in my previous correspondence. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Identity Theft and Assumption Deterrence Act, I have notified all major credit bureaus, including Experian, TransUnion, and Equifax, of these fraudulent accounts and have formally requested their immediate removal. Despite this, appropriate action has yet to be taken. 

Accounts in Dispute 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 XXXXXX/XX/XXXX Reported Balance : {$2000.00} Credit Limit : {$1500.00} Status : Closed I have formally disputed these accounts with the credit bureaus, as required under the FCRA, and requested their removal. However, the bureaus have failed to take the necessary corrective action within the legally required timeframe. I request the CFPBs intervention to ensure full compliance with the FCRA and the immediate deletion of these accounts from my credit file. 

Concerns Regarding Data Breaches Additionally, I continue to receive reports of data breaches involving major credit bureaus and financial institutions, including Experian, TransUnion, and other related companies. These breaches raise serious concerns about the security of my personal and financial information, further underscoring the urgent need for corrective action. 


Thank you for your attention and prompt action.

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 2025-02-16 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:
Dear Consumer Financial Protection Bureau, I am writing to follow up on my formal dispute regarding multiple fraudulent accounts on my credit report, as outlined in my previous correspondence. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Identity Theft and Assumption Deterrence Act, I have notified all major credit bureaus, including Experian, TransUnion, and Equifax, of these fraudulent accounts and have formally requested their immediate removal. Despite this, appropriate action has yet to be taken. 

Accounts in Dispute 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 XXXXXX/XX/XXXX Reported Balance : {$2000.00} Credit Limit : {$1500.00} Status : Closed I have formally disputed these accounts with the credit bureaus, as required under the FCRA, and requested their removal. However, the bureaus have failed to take the necessary corrective action within the legally required timeframe. I request the CFPBs intervention to ensure full compliance with the FCRA and the immediate deletion of these accounts from my credit file. 

Concerns Regarding Data Breaches Additionally, I continue to receive reports of data breaches involving major credit bureaus and financial institutions, including Experian, TransUnion, and other related companies. These breaches raise serious concerns about the security of my personal and financial information, further underscoring the urgent need for corrective action. 


Thank you for your attention and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX FL XX/XX/year> Experian Dispute Department XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of Inaccurate Information Failure to Investigate in Violation of FCRA 605B and 611 Dear Experian, This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations. 

The disputed account ( s ) include XXXX XXXX XXXX XXXX XXXX Under FCRA 605B [ 15 U.S.C . 1681c-2 ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented Experians systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 


DEMAND FOR RESOLUTION 1. Immediate Block : As required under FCRA 605B ( c ), the disputed information must be blocked from my credit report unless you can verify its accuracy within four business days.

2. Written Confirmation : Provide a written notice confirming the results of your investigation, as mandated by FCRA 611 ( a ) ( 6 ).

3. Evidence of Verification : If you believe the information is accurate, provide documentation from the furnisher proving its validity and compliance with FCRA 623 ( b ).

Failure to comply with these requirements will result in a formal complaint to the CFPB, as well as potential legal action for damages under FCRA 616 and 617. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Copy of identification Proof of address Supporting documentation

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 2025-02-16 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:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report I was paying on. Once I noticed this I immediately took action. These fraudulent accounts are hurting my ability to obtain credit. Please remove all fraudulent accounts. Thank you.

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 2025-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was discriminated by XXXX XXXX because they allowed family members to decide if I was attractive on XXXXXXXX XXXX XXXX 

My underwear was stolen from my government room that I applied in person. Any male in the area think they can sleep in my room without a XXXX XXXX XXXX. I opened an account in XXXXXXXX XXXX XXXX. My Social security checks were returned to Treasury Department, Denied Employment and not even fit for a pet like a cat or dog.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has Been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) that you, the TRANSUNION Credit reporting agency , block information appearing on my consumer credit report within 4 business days of you receiving this complaint. This inaccurate unauthorized fraudulent account ( XXXX XXXX ) was previously disputed, blocked & deleted, then reinserted and is the Result of fraud and identity theft. XXXX. ) Identity Theft. ( XXXX XXXX. ) Please perminately block, remove this inaccurate, fraudulent acct from my credit report. Failure to respond satisfactorily will result in legal action against your 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 non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am writing to formally request that all communication from your office regarding the alleged debt referenced by your organization be ceased immediately. As per 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop further contact with me.

Please consider this letter as a cease and desist directive in compliance with the law. I request that your office immediately halt any and all communications with me, including but not limited to telephone calls, letters, or any other forms of contact, unless it is to inform me of specific actions taken with respect to my account, such as a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
This complaint is being filed against Cash App ( Block , Inc. ) due to failing to service customers and unfair practices, thus violating the Consumer Financial Protection Act ( CFPA ). Cash App has failed to take effective and timely measures to address and prevent fraud on their platform, leaving my account unprotected and vulnerable. In Addition, their dispute resolution process is was deceptive and unjust, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Cash App actions have caused significant financial loss and inconvenience, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: PA

Complaint narrative:
The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.

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