vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: OR

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding persistent issues with inaccurate information on my credit reports, as maintained by XXXX, XXXX, and TransUnion. Despite submitting multiple disputes regarding the same erroneous items, accounts, and inquiries, these inaccuracies remain unresolved, negatively impacting my financial stability.

The items in question include : 1. Student Loans : I have disputed eight separate student loans that were fully forgiven due to my status as a 100 % Permanently and Totally XXXX XXXX. 


XXXX. Accounts : Erroneous accounts with entities including 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. Hard Inquiries : Over 60 unauthorized hard inquiries, which I have repeatedly disputed as the result of identity theft.

To support my claims, I have submitted documentation, including : FTC Identity Theft Report Number : XXXX Data Breach Identity Restoration Number : XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., obligates credit reporting agencies to ensure the accuracy of consumer reports and to conduct thorough investigations of disputes. However, these agencies have failed to fulfill their statutory obligations, leaving me with unresolved disputes and recurring inaccuracies. This failure violates my rights under the FCRA and has caused significant financial and emotional harm.

Furthermore, I draw your attention to recent enforcement actions by your office, such as the {$15.00} million fine imposed on XXXX for failing to properly investigate disputes and reinserting deleted inaccuracies. My experience mirrors the practices cited in your findings, including : Ignoring consumer-submitted documentation, Reintroducing previously removed inaccuracies, and Issuing contradictory and confusing dispute results. 


These inaccuracies have had severe consequences, including hindering my ability to secure financial products and recover from the financial strain caused by identity theft. Despite my efforts to resolve these issues, I have been met with systemic failures by the credit reporting agencies, leaving me with no choice but to seek your intervention.

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 2025-01-28 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: OR

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding persistent issues with inaccurate information on my credit reports, as maintained by XXXX, Experian, and XXXX. Despite submitting multiple disputes regarding the same erroneous items, accounts, and inquiries, these inaccuracies remain unresolved, negatively impacting my financial stability. 

The items in question include : XXXX. Student Loans : I have disputed XXXX separate student loans that were fully forgiven due to my status as a 100 % Permanently and Totally XXXX XXXX. 


XXXX. Accounts : Erroneous accounts with entities including 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. Hard Inquiries : Over 60 unauthorized hard inquiries, which I have repeatedly disputed as the result of identity theft. 



To support my claims, I have submitted documentation, including : FTC Identity Theft Report Number : XXXX Data Breach Identity Restoration Number : XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., obligates credit reporting agencies to ensure the accuracy of consumer reports and to conduct thorough investigations of disputes. However, these agencies have failed to fulfill their statutory obligations, leaving me with unresolved disputes and recurring inaccuracies. This failure violates my rights under the FCRA and has caused significant financial and emotional harm.

Furthermore, I draw your attention to recent enforcement actions by your office, such as the {$15.00} million fine imposed on XXXX for failing to properly investigate disputes and reinserting deleted inaccuracies. My experience mirrors the practices cited in your findings, including : Ignoring consumer-submitted documentation, Reintroducing previously removed inaccuracies, and Issuing contradictory and confusing dispute results. 


These inaccuracies have had severe consequences, including hindering my ability to secure financial products and recover from the financial strain caused by identity theft. Despite my efforts to resolve these issues, I have been met with systemic failures by the credit reporting agencies, leaving me with no choice but to seek your intervention.

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 2025-01-28 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: MO

Complaint narrative:
This complaint is to formally address the failure to properly investigate my disputes regarding inaccuracies in my credit report.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings. These actions harm consumers by allowing inaccurate or unverifiable information to persist on their credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: AZ

Complaint narrative:
XXXX 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 Bureau 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 : XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to formally dispute a collection account reported to my credit file, totaling {$1900.00}, which I believe is inaccurate. I called the creditor who purchased this debt and this account was reportedly opened in XXXX. However, I am currently XXXX XXXX XXXX, which means I was underage at that time and could not legally open an account. 

I attempted to contact the company responsible for this collection, but they confirmed the account 's opening date without addressing my concerns about my age at that time. I believe this account is erroneous and should be investigated further. 

I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX : Cash app closed my account which was fine with me but when I went to withdrawal the remaining funds on my account it says I'm not allowed to link a debit card to my account or a new debit card which it clearly states in their closing agreement that if I can't withdraw my funds then I can link a new debit card to it well I contact support and they say that they escalated it to fix my problem okay and that's the only information I got and they said it could take up to 30 days it's been almost 90 and I'm still getting the same results from these people I just want my to be able to withdraw the last of my funds and they have made this such a bad headache and a problem no one is trying to help me and they are trying to keep my money from me please make them give me my friends please Amount:XXXX $ No action was tooken to help me by the company cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-01-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect does not reflect my true credit history. I have never had a debt with XXXX XXXX, they claim this debt is through XXXX but this was settled and already removed once when XXXX went out of business and it was successfully removed after XXXX confirmed the deletion. The debt has been wrongfully reinserted and was not properly investigated after this company I have never had a contract or agreement with this company and it was never properly investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
I submitted a dispute for these collections to be removed because they were inaccurate. 

XXXX XXXX XXXX XXXX XXXX amount {$0.00}, disputed in XXXX 
XXXX XXXX XXXX XXXX XXXX amount XXXX, disputed in XXXX 
XXXX XXXX XXXX XXXX XXXX amount {$880.00}, disputed in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
My account with 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 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 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.

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 explanation
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment Records on XXXX, TransUnion, and XXXX XXXX Files Dear CFPB, I am writing to formally dispute inaccurate late payment records reported by One for my account ending in [ XXXX ] on my XXXX, TransUnion XXXX and XXXX credit files. These records incorrectly reflect : Two 30-day late payments Two 60-day late payments These entries are inaccurate, as I have consistently made on-time payments for this account.

I have contacted both One and the credit bureaus to resolve this issue but have not received an adequate response or correction. I am now seeking your assistance to investigate and correct these errors.

To support my claim, I have attached the following documentation : Copies of my XXXX, TransUnion, and XXXX credit reports with the disputed late payments highlighted The inaccurate reporting has caused significant harm to my credit score and financial standing. I kindly request the following resolution : 1. Immediate removal of the inaccurate late payment records from all three credit bureaus ( XXXX, TransUnion, and XXXX ). 
2. An update to my credit score to reflect the removal of these errors.

3. Written confirmation that the corrections have been made and that these late payments will not reappear on my credit file.

Please let me know if additional details or documentation are needed to resolve this matter. I can be reached at [ XXXX ] or [ XXXX ]. 

Thank you for your assistance in ensuring the accuracy of 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 non-monetary relief
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment Records on XXXX, XXXX, and Equifax Credit Files Dear CFPB, I am writing to formally dispute inaccurate late payment records reported by One for my account ending in [ XXXX ] on my XXXX, XXXX , and Equifax credit files. These records incorrectly reflect : Two 30-day late payments Two 60-day late payments These entries are inaccurate, as I have consistently made on-time payments for this account. 

I have contacted both One and the credit bureaus to resolve this issue but have not received an adequate response or correction. I am now seeking your assistance to investigate and correct these errors. 

To support my claim, I have attached the following documentation : Copies of my XXXX, XXXX, and Equifax credit reports with the disputed late payments highlighted The inaccurate reporting has caused significant harm to my credit score and financial standing. I kindly request the following resolution : 1. Immediate removal of the inaccurate late payment records from all three credit bureaus ( XXXX, XXXX, and Equifax ). 
2. An update to my credit score to reflect the removal of these errors.

3. Written confirmation that the corrections have been made and that these late payments will not reappear on my credit file. 

Please let me know if additional details or documentation are needed to resolve this matter. I can be reached at [ XXXX ] or [ XXXX ]. 

Thank you for your assistance in ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation