vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Statement Regarding Fraudulent Loans Opened in My Name To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute two fraudulent loans that were opened in my name with XXXX. These loans were taken out without my knowledge or consent and remain unpaid. As a result, XXXX has continued to report negative and inaccurate information to the credit bureaus, significantly damaging my credit. 

Background of the Fraudulent Activity : 1. Incident of Identity Theft : My phone, banking information, and personal identifying details were stolen in XXXX, XXXX. The individual responsible used my stolen information to fraudulently open accounts and loans in my name at the same time. 

2. Police Report Filed : I immediately filed a police report and resolved any fraudulent charges that I was aware at that time in XXXX XXXX. 

3. Unauthorized XXXX  Loans : I was unaware that loans had been opened with XXXX until I noticed the negative impact on my credit report. I did not apply for, authorize, or receive any funds from these loans. 

4. Ongoing Negative Reporting : Despite multiple attempts to dispute these fraudulent accounts, XXXX has continued to report delinquent payments, harming my credit for over three years. 

XXXX. Attempts to Resolve : I have contacted XXXX directly to dispute these fraudulent accounts, but they have been uncooperative in addressing the issue. 


Requested Action : I respectfully request the following : Immediate removal of the fraudulent loans from my credit report. 
Cessation of any negative reporting related to these fraudulent accounts. 
Confirmation in writing that these accounts have been removed and that no further action will be taken against me regarding them. 

Attached to this statement are supporting documents, including a police report, Federal Trade Commission ( FTC ) identity theft report, and any previous dispute communications. 

I urge XXXX and the credit bureaus to act in accordance with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this injustice. I appreciate your prompt attention to this matter and look forward to a resolution. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX TN 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Statement Regarding Fraudulent Loans Opened in My Name To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute two fraudulent loans that were opened in my name with XXXX. These loans were taken out without my knowledge or consent and remain unpaid. As a result, XXXX has continued to report negative and inaccurate information to the credit bureaus, significantly damaging my credit. 

Background of the Fraudulent Activity : 1. Incident of Identity Theft : My phone, banking information, and personal identifying details were stolen in XXXX, XXXX. The individual responsible used my stolen information to fraudulently open accounts and loans in my name at the same time. 

2. Police Report Filed : I immediately filed a police report and resolved any fraudulent charges that I was aware at that time in XXXX XXXX. 

3. Unauthorized XXXX  Loans : I was unaware that loans had been opened with XXXX until I noticed the negative impact on my credit report. I did not apply for, authorize, or receive any funds from these loans. 

4. Ongoing Negative Reporting : Despite multiple attempts to dispute these fraudulent accounts, XXXX has continued to report delinquent payments, harming my credit for over three years. 

5. Attempts to Resolve : I have contacted XXXX directly to dispute these fraudulent accounts, but they have been uncooperative in addressing the issue. 


Requested Action : I respectfully request the following : Immediate removal of the fraudulent loans from my credit report. 
Cessation of any negative reporting related to these fraudulent accounts. 
Confirmation in writing that these accounts have been removed and that no further action will be taken against me regarding them. 

Attached to this statement are supporting documents, including a police report, Federal Trade Commission ( FTC ) identity theft report, and any previous dispute communications. 

I urge XXXX and the credit bureaus to act in accordance with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this injustice. I appreciate your prompt attention to this matter and look forward to a resolution. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
Request to Dispute Account information on My Credit File I currently received my credit reported and located the following serious problems of inaccurate reporting. This is my very first time disputing my credit report because I have just accepted that I had bad credit and became a victim of it. Please do not regard this investigation as a frivolous letter, Because My information was exposed in Data breach. 

I dont know what these collection, account are for. I have not contacted these collection agencies to validate these debts, so therefore I am disputing the validity of these debts. I demand for these all inaccuracies on my report to be removed in 30 days because my information was exposed in Data Breach. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ) and the timeframeallowed, please re-investigate and delete/correct this information. Please send me the names and the address of the persons contacted. I'm gon na assume that thirtydays constitutes a reasonable time to complete the actions constitutes non-verification and these item must be promptly deleted according to the Section611 ( a ). 

Also according to Section 611 ( a ) for the Fair Credit reporting Act, please send me notification that the items have been deleted. Send an update copy of my credit report to the below address. According to the provisions of Section 612, thereshould be no charge for notification of changes of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
Request to Dispute Account information on My Credit File I currently received my credit reported and located the following serious problems of inaccurate reporting. This is my very first time disputing my credit report because I have just accepted that I had bad credit and became a victim of it. Please do not regard this investigation as a frivolous letter, Because My information was exposed in Data breach. 

I dont know what these collection, account are for. I have not contacted these collection agencies to validate these debts, so therefore I am disputing the validity of these debts. I demand for these all inaccuracies on my report to be removed in 30 days because my information was exposed in Data Breach. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ) and the timeframeallowed, please re-investigate and delete/correct this information. Please send me the names and the address of the persons contacted. I'm gon na assume that thirtydays constitutes a reasonable time to complete the actions constitutes non-verification and these item must be promptly deleted according to the Section611 ( a ). 

Also according to Section 611 ( a ) for the Fair Credit reporting Act, please send me notification that the items have been deleted. Send an update copy of my credit report to the below address. According to the provisions of Section 612, thereshould be no charge for notification of changes 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that was fraudulently opened in my name due to identity theft. 

Please remove late payments fraudulently accounts : XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges. 

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


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 2025-02-08 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX XXXX XXXX XXXX {$540.00}

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 2025-02-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX XXXX XXXX XXXX {$540.00}

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 2025-02-08 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'm a victim of a sham investigation from Exqfaix creditreportingagency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
{$100000.00} plus in a Capital 0ne 360 saving since at least XXXX at approx 1 %, then it went .34 % thru XXXX. When apparently something called 360 performance savings was available since maybe XXXX, obviously not known to me. 
This lack of notice in any form of mail, I get tax info, email or phone cost me an estimate of approximately {$24000.00} since XXXX. What I have received is approx {$2000.00} since XXXX. 
I have CDs and credit card with cap 1 and get monthly statements on card with no mention about savings changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 compy with error resolution requirements und the EFTA and regulation E

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NV

Complaint narrative:
I am writing to formally file a complaint against Equifax Information Services LLC regarding their failure to conduct a proper investigation into my disputes concerning inaccuracies on my credit report. 

Despite my diligent efforts to dispute these inaccuracies with Equifax, their responses have consistently arrived within 24 hours, stating that the account in question is accurate. However, these responses lack the necessary documentation or evidence that would demonstrate a thorough investigation as mandated by the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i. This section of the law requires that consumer reporting agencies conduct a reasonable investigation of any dispute regarding the accuracy of information contained in a consumer 's credit report.

Furthermore, I believe Equifax 's actions may constitute a violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The CFPB has previously emphasized the importance of adhering to fair practices in the management of consumer credit reports, and Equifax 's failure to provide adequate responses to my disputes aligns with the violations outlined in this act.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter, as Equifax 's practices not only harm my credit standing but may also affect countless other consumers facing similar issues. I would appreciate any guidance on further steps I can take to resolve this issue. 

Thank you for your attention to this important matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was fraudulently opened in my name due to identity theft. 

Please remove late payments fraudulently accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information.

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID. 
2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ].

Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


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 2025-02-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was fraudulently opened in my name due to identity theft. 

Please remove late payments fraudulently accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information.

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID. 
2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ].

Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


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