vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
There are inaccurate addresses, names and employers being reported on my credit score affecting my ability to aquire credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: MI

Complaint narrative:
I am writing to formally dispute the inclusion of an unauthorized account on my consumer report, specifically the account STATE OF MI OFFICE CHI XXXX. I request its immediate removal from your records as well. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, consumer reporting agencies are only permitted to furnish consumer reports under specific circumstances, such as upon the written instructions of the consumer to whom the report relates. In this case, I have not provided such authorization for the inclusion of this child support account on my credit report.

Furthermore, the unauthorized reporting of this account constitutes a violation of my rights under federal law. By reporting this account without my consent, you may be in breach of consumer protection laws and possibly committing an offense akin to Aggravated Identity Theft, as outlined in 18 U.S.C. 1028A. This offense carries significant penalties, including imprisonment and civil liability.

Additionally, your actions are in direct contravention of 15 USC 1692g, which mandates the correct handling of disputes related to debts. This letter serves as an official dispute of the aforementioned account, and I demand its immediate removal from my consumer report.

In light of the aforementioned violations, I demand the immediate removal of the STATE OF MI OFFICE CHI XXXX account from my consumer report. 

A copy of my identification and a utility bill as proof of my address is attached. I trust you will address this matter promptly and ensure that this unauthorized account is permanently removed from my credit report. 
I trust that you will handle this matter with the seriousness it deserves and rectify this issue promptly. 

Thank you for your immediate attention to this matter.

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 2025-01-24 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: TX

Complaint narrative:
15 U.S.C. 1681 is the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports. The FCRA aims to ensure the accuracy, fairness, and privacy of consumer information. 

The closure of my student loan accounts and reopening caused decrease in my credit score everytime the forgiveness plan was implemented and overturned. I also suffered issues regarding the time of credit that was altered due to the closing of the original account. That also had a negative effect on my credit worthiness. I did not apply for forgiveness and it was automatic and it affected my credit score negatively. Currently I have over 10 student loan accounts listed as closed on my credit report and they are causing a negative affect on my credit worthiness. Because credit scoring models tend to favor active accounts, once a student loan account is paid and closed, you may see a drop in your credit score, due to the resulting decrease in average age of your active credit accounts. However, this drop is typically temporary is what the dept of education said and it has not returned those accounts active.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried dispute errors on all three Credit Companies XXXX, XXXX and Transunion and none of them are actually fixing the errors on my credit reports. 
XXXX XXXX {$480.00} XXXX XXXX {$990.00} XXXX XXXX {$240.00} XXXX XXXX XXXX {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$480.00}

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 non-monetary relief
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I have tried dispute errors on all three Credit Companies XXXX, Equifax and XXXX and none of them are actually fixing the errors on my credit reports. 
XXXX XXXX {$480.00} XXXX XXXX {$990.00} XXXX XXXX {$240.00} XXXX XXXX XXXX {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$480.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 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 proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, There is a need to ensure that a consumer reporting agency exercises their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with exception of or if it is not there update it to the following information : Please delete all non-mailable addresses, I demand that my DOB be furnished the correct way. Delete all information in the employer section. 

Please delete all fraudulent inquiries : XXXX XXXX XXXX XXXX Processing XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : XXXX XXXX Enclosed is a copy of State ID, Utility bill showing proof of address.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARS Acquisition, LLC
State: MO

Complaint narrative:
XXXX XXXX  has been harassing me, causing mental and physical problems since they stole my information and claimed they own my car I bought through XXXX XXXX. They are hurting me financially and want more money for a vehicle that is already paid off. All documents have been submitted and NO ONE is listening. There are over 86 complaints on them for this exact thing. They never held my title to my car. I have provide all documents and they repeat the same documents that have been provide by ME!!! They have not provide any contacts between them and I with their letter head and my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 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:
I would like this item investigated l. The inaccuracies are highly injurious to my credit score. 
Account : XXXX XXXX XXXXXXXX

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like this item investigated l. The inaccuracies are highly injurious to my credit score. 
Account : 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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was exposed in a data breach. According to FCRA 15 USC 1681 a credit agency shall not furnish any information about a consumer unless a consumer consent to the furnishing of the report. The credit bureau has violated my rights and stolen my identity.

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 2025-01-24 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I have filed multiple disputes, and asked for the documents supporting. No response and no resolve. Credit cards, and loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I have filed multiple disputes, and asked for the documents supporting. No response and no resolve. Credit cards, and loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
RE : XXXX  Block Request - ( XXXX XXXX ACCOUT # XXXX DATE DATE OPEN XXXX XXXX AMOUNT {$3900.00} ), ( XXXX  XXXX  XXXX XXXX ACCOUNT $ # XXXX DATE OPEN XX/XX/XXXX, AMOUNT {$31000.00} INQUIRIES- 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, Navy Federal and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 

This was my very first interaction with Zelle. I had to take a personal loan out because it was a security deposit for the house we were going to rent. I was told " Its like a transaction using cash, once its gone, there is nothing we can do. '' XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Im filing a complaint Against Cash App ( Block , Inc . ) Due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effectively measures to prevent an address fraud on their platform, leaving my account vulnerable in unprotected. Furthermore, this dispute resolution process was unfair and deceptive, as they think they did not comply with error resolution requirements under the electronic fraud transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

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 proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
In early XXXX and XX/XX/XXXX, I attempted to withdraw XXXX ( XXXX ) from my account on Gemini, where I hold approximately XXXX XXXX ( valued at {$31000.00} USD as of XX/XX/XXXX ). However, I found my account was frozen, preventing me from accessing my funds. 

Since then, I have contacted Gemini multiple times to resolve this issue ( Ticket ID : XXXX ). On XX/XX/XXXX, I submitted all the requested documentation, including a selfie with my ID and a handwritten note, per their instructions. Despite complying promptly, my account remains frozen, and Gemini has not provided any substantial updates or a resolution. Their responses only assure me that the matter is being " escalated '' without any concrete timeline for resolution. 

The prolonged freeze of my account has caused significant inconvenience and financial stress, as I am unable to access or manage my own assets. I believe Gemini is unjustly holding my funds against my will without providing adequate justification or a timely resolution. 

I request the CFPBs assistance in compelling Gemini to unfreeze my account immediately and allow me access to my XXXX XXXX. Additionally, I would like a thorough investigation into Gemini 's practices concerning account freezes to ensure transparency and fairness for all users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
XX/XX/year> sent letter requesting agreements XXXX XXXX XXXX  Various other credit cards reporting late

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I submitted a despute letter and nothing but also was part of the XXXX data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
my credit has been impacted drastically with these hard increase I have or old accounts that were paid enclosed and makes no sense that I have 15 open accounts. Also also back when I had XXXX XXXX, they added a piata rent to track. When you pay rent and it dropped my score XXXX XXXX  I didnt know who to contact in my credit score still suffers please help remove anything. That is a negative inquiry immediately.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief