vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to express my dissatisfaction and formally dispute XXXX 's failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me. 

The specific details of my dispute are as follows : Creditor/Account Name : XXXX XXXX XXXX Account XXXX Error : Improper account information reported. 

It appears that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in Experians dispute resolution processes. 

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute. 
A written explanation of the methods and procedures used during the reinvestigation, as required by law. 
The immediate correction or removal of inaccurate information, if your investigation confirms the error. 

I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted. 

Please note that I expect a response within the 30-day timeframe stipulated by the FCRA. Failure to adequately address my concerns may result in further escalation, including filing a formal complaint with the CFPB or seeking legal action. 

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious issue.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to express my dissatisfaction and formally dispute XXXX 's failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me. 

The specific details of my dispute are as follows : Creditor/Account Name : XXXX XXXX XXXX Account XXXX Error : Improper account information reported. 

It appears that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in Experians dispute resolution processes. 

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute. 
A written explanation of the methods and procedures used during the reinvestigation, as required by law. 
The immediate correction or removal of inaccurate information, if your investigation confirms the error. 

I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted. 

Please note that I expect a response within the 30-day timeframe stipulated by the FCRA. Failure to adequately address my concerns may result in further escalation, including filing a formal complaint with the CFPB or seeking legal action. 

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: CO

Complaint narrative:
In XXXX of 2024 I began receiving calls from a collection agency trying to recoup a debt of {$2000.00} for student loans. I never attended college and have never opened student loans. This being the case I assumed that it was a scam call. I informed them that I never opened any loans for college and hung up. They proceeded to call me throughout the entire year of 2024 and I repeated this process every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
SUNRISE CREDIT SERVI, has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. Please help me.

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 2025-01-20 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: IN

Complaint narrative:
I am writing to formally dispute the reporting of a late payment on my credit file. Under the Fair Credit Reporting Act ( FCRA ), Metro 2 guidelines, and CDIA standards, I am entitled to accurate, complete, and verifiable information on my credit report. The late payment in question does not meet these requirements and must be corrected or removed immediately. ALSO THIS ACCOUNT TAKES CLOSED REQUESTED BY ME WHICH IS NOT ACCURATE THEY BANNED ME FROM USING MY ACCOUNT FOR NO REASON STOPPED ME FROM USING ACCOUNT

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
As of XX/XX/year> at approximately XXXX to XXXXXXXX XXXX. XXXX standard time. I was referred by a coworker via XXXX that she invested with a person that she knew into stocks and forex trading and all I have to do was zelle or chime a certain amount of money to see returns from dividends from her stock portfolio within a day. Claiming that it was legit and by posting a video claiming that it's real, I decided to trust her judgment and I zelle one of her friends {$550.00}. Later I had to prove that I sent it so I had to screenshot the confirmation and then I started to get suspicious as to why she needed to see that knowing that she on her end can see that as well. But once I show proof I got a phone call because I gave her my phone number in my name so she can send me the dividends back. I guess to establish a good sense of communication. However, the person that answered the phone was a male and I started to grow suspicions because they suggested that I had to send more money for a commission fee for whatever dividends I get back requiring that I have to send an additional {$790.00} which was pretty bizarre to me to suggest that amount of money. So I decided to message my coworker, because she has failed to mention to me that a commission fee was even possible. She claimed that she forgot to say that which also struck me as another red flag and something didn't feel right. So I cut off communications and I did my research to find out if I've been scammed or so because I certainly do feel scammed. I don't know if I'll ever get my money back but I would like to know that this person can be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 is 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 2025-01-20 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: VA

Complaint narrative:
Subject : Formal Complaint Regarding Unlawful Reinsertion of XXXX XXXX Dear XXXX XXXX TRANSUNION XXXX XXXX, I am writing to formally dispute the reinsertion of inaccurate and unauthorized information into my credit report. Specifically, the account related to XXXX XXXX XXXX has been previously deleted from my ( Transunion ) credit file but now appears in my XXXX credit file. There are two XXXX XXXX XXXX accounts with different account numbers that are listed in my XXXX credit file, further exacerbating the inaccuracies in my credit reports. 

The reappearance of this account and the existence of duplicate records are clear violations of the Fair Credit Reporting Act ( FCRA ), which prohibits reinsertions without proper certification of accuracy and prior notification to the consumer. 

As the rightful owner of this credit report, I have provided supporting documentation to ensure a thorough investigation. 

Please find enclosed the following : 1. A notarized letter confirming my intent to pursue legal action if this matter is not resolved promptly and appropriately.

2. A notarized formal complaint detailing the violations and issues with my credit report.

3. A copy of my drivers license as further proof of my identity. 
XXXX. A copy of the official report from XXXX to corroborate my claim and ensure no fraudulent or unauthorized accounts are associated with my file. 
5. A copy of my Social Security card for additional identity verification.

6. Proof of address, including a recent utility bill, reflecting my current and only address at XXXX XXXX XXXX XXXX, where I have lived for the past several years. 
7. BBB complaint I respectfully request the following actions : 1. Immediate removal of the XXXX XXXX XXXX account and its duplicate account from all credit reports. 
2. Immediate deletion of any outdated or incorrect addresses, ensuring only my current address, XXXX XXXX XXXX XXXX, remains. 

I also want to bring to your attention the recent XXXX lawsuit ( dated XX/XX/year> ), which emphasizes the importance of adhering to FCRA guidelines and the legal consequences of failing to protect consumer rights. 

Under Section 611 of the FCRA, you are required to investigate and resolve this dispute within 30 days. Failure to comply may result in legal actions being taken against your bureau, including, but not limited to, statutory and punitive damages.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Notarized letter confirming intent to litigate Notarized formal complaint Copy of drivers license Official report from XXXX Copy of Social Security card Proof of address ( utility bill ) BBB complaint

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 2025-01-20 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: VA

Complaint narrative:
Subject : Formal Complaint Regarding Unlawful Reinsertion of Inaccurate Information Dear XXXX XXXX XXXX XXXX EQUIFAX, I am writing to formally dispute the reinsertion of inaccurate and unauthorized information into my credit report. Specifically, the account related to XXXX XXXX XXXX has been previously deleted from my ( XXXX ) credit file but now appears in my XXXX credit file. There are two XXXX XXXX XXXX accounts with different account numbers that are listed in my XXXX credit file, further exacerbating the inaccuracies in my credit reports. 

The reappearance of this account and the existence of duplicate records are clear violations of the Fair Credit Reporting Act ( FCRA ), which prohibits reinsertions without proper certification of accuracy and prior notification to the consumer. 

As the rightful owner of this credit report, I have provided supporting documentation to ensure a thorough investigation. 

Please find enclosed the following : 1. A notarized letter confirming my intent to pursue legal action if this matter is not resolved promptly and appropriately.

2. A notarized formal complaint detailing the violations and issues with my credit report.

3. A copy of my drivers license as further proof of my identity.

4. A copy of the official report from XXXX to corroborate my claim and ensure no fraudulent or unauthorized accounts are associated with my file. 
5. A copy of my Social Security card for additional identity verification.

6. Proof of address, including a recent utility bill, reflecting my current and only address at XXXX XXXX XXXX XXXX, where I have lived for the past several years. 
7. BBB complaint I respectfully request the following actions : 1. Immediate removal of the XXXX XXXX XXXX account and its duplicate account from all credit reports. 
2. Immediate deletion of any outdated or incorrect addresses, ensuring only my current address, XXXXXXXX XXXX XXXX XXXX, remains. 

I also want to bring to your attention the recent XXXX lawsuit ( dated XX/XX/year> ), which emphasizes the importance of adhering to FCRA guidelines and the legal consequences of failing to protect consumer rights. 

Under Section 611 of the FCRA, you are required to investigate and resolve this dispute within 30 days. Failure to comply may result in legal actions being taken against your bureau, including, but not limited to, statutory and punitive damages.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Notarized letter confirming intent to litigate Notarized formal complaint Copy of drivers license Official report from XXXX Copy of Social Security card Proof of address ( utility bill ) BBB complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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. ( 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 ( 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 redres for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I disputed these Items on XXXX, XXXX, and XXXX THEY REMOVED THEM THEN ( 2 ) DAYS LATER REINSERTED THEM 15USC168i ( A ) ( 5 ) B States REINSERTION PROTOCOL ( Disputed Items ) XXXX XXXX XXXX ( I told them someone stole my identity and this is not my debt they refuse to send any proof this is my debt after ( 4 ) attempts and multiple verified responses and will not remove it. Code 15USC 168i ( a ) states the 30 day law.

PRO COLLECT ( 15 USC 168i ( A ) ( 6 ) B 3 States the investigation Protocol which all three Credit Bureau 's replied with they are VERIFIED I asked for proof never received it and this company keep changing the dates on this debt to make it look like it just happened this year. 

DISPUTED ITEMS XXXX AND XXXX XXXX & XXXX XXXX XXXX XXXX This debt that is hurting my credit and without proof should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: Self Financial Inc.
State: AL

Complaint narrative:
I didnt give no one, my approval to use my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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:
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 m 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 seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian XXXX XXXX have 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 them, 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 & XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as their inaction violates federal law and my rights as a consumer.

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 2025-01-20 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries Dear CFPB, I am submitting a formal dispute regarding unauthorized inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). According to the FCRA, all inquiries must be authorized by me or verifiable by the creditor. 

The details of the disputed inquiries are as follows : Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/year>, XX/XX/year> Creditor Name : XXXX Date of Inquiry : XX/XX/year> I did not authorize these inquiries, and I request your assistance in ensuring the credit bureaus investigate and remove them if they can not be verified. 

Please investigate this matter promptly and provide a resolution. Thank you for your help.

Company response to consumer: Closed with non-monetary relief