vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Formal Dispute Letter Regarding Civil Liability for Negligence & Non-Compliance under Article 16810 Dear CFPB, I am writing to formally file a complaint against XXXX, XXXX XXXX XXXX. Due to inaccurate information on my credit report that i have asked to be investigated and removed. This matter falls under Article 16810, which holds parties liable for civil negligence and non-compliance resulting in damages or harm. 

On XX/XX/year>, I became aware that several accounts that did not belong to me were listed on my report. I have filed a dispute to have them remove but they still remain. 

According to Article 16810, they are legally obligated to ensure compliance with FCRAand to take reasonable care in fulfilling your duties. Their failure to do so constitutes negligence, and I am holding them accountable for the consequences of their actions. 

To resolve this matter, I am requesting the following corrective actions : Immediate removal of these fraudlent accounts.

If they fail to respond or take corrective action within the 30 day timeframe, I will have no choice but to pursue further legal action, including but not limited to filing a formal complaint, seeking mediation, or initiating legal proceedings. 

I urge you to address this matter promptly to avoid escalation. Please acknowledge receipt of this letter and provide a response by XX/XX/year>. You may contact me at ( XXXX ) XXXX if you require further discussion. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally disputing the alleged debt reported by credit collection services on or around XX/XX/year>, in the amount of {$210.00} I have no contractual agreement with credit collection services nor have I ever authorized or acknowledged the validity of this debt. Additionally, I did not provide consent for this account to be reported to any consumer reporting agency, as required under 15 U.S.C. 1681b ( a ) for permissible purposes of credit reporting. Furthermore, my prior disputes regarding this matter have gone unanswered, which may constitute a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), requiring a reasonable investigation of disputed information. 

As this debt is unverified, unauthorized, and potentially erroneous, I demand its immediate removal from my credit file in accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of inaccurate information. If this matter is not promptly resolved, I will be compelled to escalate this dispute to the appropriate regulatory agencies, including but not limited to the Federal Trade Commission ( FTC ) and also i will consider legal remedies available under the law.

Please provide written confirmation of the removal or, alternatively, furnish all supporting documentation that substantiates the validity of this debt. Failure to provide sufficient verification within the legally required timeframe may result in further action.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX - XXXX - {$3700.00}

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

Complaint narrative:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Formal Dispute Letter Regarding Civil Liability for Negligence & Non-Compliance under Article 16810 Dear CFPB, I am writing to formally file a complaint against Equifax, Transunion & Experian. Due to inaccurate information on my credit report that i have asked to be investigated and removed. This matter falls under Article 16810, which holds parties liable for civil negligence and non-compliance resulting in damages or harm. 

On XX/XX/year>, I became aware that several accounts that did not belong to me were listed on my report. I have filed a dispute to have them remove but they still remain. 

According to Article 16810, they are legally obligated to ensure compliance with FCRAand to take reasonable care in fulfilling your duties. Their failure to do so constitutes negligence, and I am holding them accountable for the consequences of their actions. 

To resolve this matter, I am requesting the following corrective actions : Immediate removal of these fraudlent accounts.

If they fail to respond or take corrective action within the 30 day timeframe, I will have no choice but to pursue further legal action, including but not limited to filing a formal complaint, seeking mediation, or initiating legal proceedings. 

I urge you to address this matter promptly to avoid escalation. Please acknowledge receipt of this letter and provide a response by XX/XX/year>. You may contact me at ( XXXX ) XXXX if you require further discussion. 

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Formal Dispute Letter Regarding Civil Liability for Negligence & Non-Compliance under Article 16810 Dear CFPB, I am writing to formally file a complaint against Equifax, Transunion & Experian. Due to inaccurate information on my credit report that i have asked to be investigated and removed. This matter falls under Article 16810, which holds parties liable for civil negligence and non-compliance resulting in damages or harm. 

On XX/XX/year>, I became aware that several accounts that did not belong to me were listed on my report. I have filed a dispute to have them remove but they still remain. 

According to Article 16810, they are legally obligated to ensure compliance with FCRAand to take reasonable care in fulfilling your duties. Their failure to do so constitutes negligence, and I am holding them accountable for the consequences of their actions. 

To resolve this matter, I am requesting the following corrective actions : Immediate removal of these fraudlent accounts.

If they fail to respond or take corrective action within the 30 day timeframe, I will have no choice but to pursue further legal action, including but not limited to filing a formal complaint, seeking mediation, or initiating legal proceedings. 

I urge you to address this matter promptly to avoid escalation. Please acknowledge receipt of this letter and provide a response by XX/XX/year>. You may contact me at ( XXXX ) XXXX if you require further discussion. 

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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

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.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
Experian has failed to fulfill its legal 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 Experian, 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 Experian has neither corrected nor removed

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transuion has failed to fulfill its legal 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 Transunioun alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable esponses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunioun has neither corrected nor removed

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-03-03 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: VA

Complaint narrative:
I am adding additional information to this rebuttal to formally dispute XXXX XXXX XXXXXXXX XXXX continued improper credit reporting. On XX/XX/XXXX, XXXX reported my account as delinquent to credit bureaus, despite their own records showing my account as current. This action constitutes a direct violation of the CARES Act ( 15 U.S.C. 9056 ( c ) ), Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), Servicemembers Civil Relief Act ( SCRA ) ( 50 U.S.C. 3901-4043 ), and Metro 2 compliance guidelines. 

Key Evidence of XXXX Improper Credit Reporting : 1. XXXX XX/XX/XXXX Statement Contradicts Their XX/XX/XXXX Credit Reporting XXXX reported my loan as delinquent to the credit bureaus on XX/XX/XXXX. 
However, their own XX/XX/XXXX billing statement shows a {$0.00} overdue balance. 
This proves their credit reporting was incorrect, misleading, and non-compliant with industry standards. 
2. XXXX Acknowledged My Forbearance But Retroactively Applied Delinquencies CARES Act Violation The CARES Act mandates that if a borrower was current before forbearance, the loan must continue to be reported as current throughout forbearance. 
XXXX admitted in their CFPB response : While enrolled in the forbearance plan, the loan was reported as current and on a forbearance. 
However, after my forbearance ended, they retroactively reported delinquencies for XXXX XX/XX/XXXX, violating federal protections. 
3. Failure to Investigate & Correct Inaccurate Reporting FCRA Violation ( 15 U.S.C. 1681s-2 ) Under the FCRA, XXXX must ensure credit information is accurate and conduct a proper reinvestigation of disputes. 
Their decision to report delinquencies on XX/XX/XXXX, despite showing my account as current in their own records, proves their reporting is false. 
This also contradicts Metro 2 credit reporting guidelines, which require that accounts in forbearance not be reported as past due. 
4. Failure to Accommodate XXXX Servicemember Status SCRA Violation ( 50 U.S.C. 3901-4043 ) As a XXXX servicemember, I was entitled to protections under SCRA, yet XXXX : Failed to provide clear notice about how my account would be reported. 
Relied on online-only disclosures, despite my limited access while on XXXX XXXX. 
Retroactively applied negative credit reporting despite protections against such financial harm.

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