vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good afternoon. My name is XXXX XXXX. I am not getting anywhere near a perfect credit score I deserve. I should essentially have a perfect credit score! I am XXXX XXXX XXXX and never late on any payment in my life. 100 % on time payment but yet my score horrible XXXX. It has cost me so much. Not only has this failure of give the proper scoring has hurt me not only money wise but mentally and emotionally too. I have worked so hard to be 100 % on time and never ever late payments in XXXX years of my life. Experian is not accurate and doesn't give the proper score. I am having a really hard time with experian not reporting right information and score. This is totally unfair and is really frustrating to say the least. The worst part of it all is that I tried XXXX phone numbers to talk to a person and they don't allow you to talk to anybody and it hangs up on me. For something that impacts everything like my credit score. We should be able to talk to a person in the company considering everything the company report accurate or inaccurate reporting. They hold my financial life and future in Experians hands. Please help me please. Thank you for your time and consideration in this matter. 

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 2025-02-22 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts appearing on my credit report, and I have no clue why. I routinely check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was just a temporary glitch, but the inaccuracies remained. Because of this, I request that the documents I have submitted be carefully reviewed so I wont have to worry about this issue again.

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 2025-02-22 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an XXXX  XXXX  assisting me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 

I respectfully request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXXXXXX XXXX XXXX XXXX, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-02-22 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: Self Financial Inc.
State: NC

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXXSELFLNDR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: OH

Complaint narrative:
IT IS VERY DISTURBING THAT I DISCOVERED FRAUDULENT AND INACCURATE INFORMATION ON MY CREDIT REPORT CONSIDERING I NEVER GAVE ANY OF THE CREDIT BUREAUS PERMISSION TO FURNISH SUCH INFORMATION. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681 C 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 IDENTITY THEFT. THE CREDIT BUREAUS ARE ALSO FOUND TO BE IN VIOLATION OF 15 USC 1681E, WHICH STATES EVERY CONSUMER REPORTING AGENCY SHALL MAINTAIN REASONABLE PROCEDURES DESIGNED TO AVOID VIOLATIONS OF SECTION 15 USC 1681C.

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 2025-02-22 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information that appears on my Experian credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. Additionally, I would like to reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes. My dispute demands immediate investigation and deletion of all erroneous information outlined below. 
Also known as XXXX XXXX Addresses XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX, XXXX INQUIRY XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX have never authorized or opened the accounts listed above, nor did I approve the inquiries. Under 15 U.S.C. 1681o, I have the right to seek damages for negligent noncompliance with the FCRA. I demand that Experian conduct a thorough investigation, remove these fraudulent accounts and inquiries from my credit file, and provide me with an updated credit report reflecting these corrections.

Failure to comply with this request will result in further legal action, including filing complaints with the Federal Trade Commission ( FTC ) and the CFPB, and pursuing my rights under the FCRA, including seeking damages as provided under 15 U.S.C. 1681o. 
Please respond to this dispute in writing within 30 days of receipt, as required by law. I appreciate your prompt attention to this matter and look forward to your resolution.

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 2025-02-22 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: PR

Complaint narrative:
I am contacting you to formally dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I request that these inaccuracies be blocked promptly. 
Attached is a copy of my Police XXXX identity theft report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. 
Legal Basis for My Request Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following entries on my credit report are associated with this identity theft and must be removed immediately. 
Fraudulent Inquiries to Be Removed XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX I am notifying you that I have been a victim of identity theft. I have reached out to the Federal Trade Commission ( FTC ) and filed a complaint, which is enclosed for your reference. 
My credit report contains fraudulent accounts and inquiries that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency via fax and Certified Mail. 
I request that you comply with 15 U.S.C. 1681c-2 and block and remove these unauthorized accounts and inquiries immediately. 
If I do not receive a timely response, I will proceed with filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and will consider taking legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 
I appreciate your prompt response and resolution of this matter. I expect a response within the legally required timeframe.

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 2025-02-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have called twice to American Express and asked them to stop sending me and to my wife advertisement. They confirmed that they will not be sending mails to us with confirmation of our names, phone numbers and address. After several weeks I have received another advertisement from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: PA

Complaint narrative:
ACCORDING TO THE CREDIT REPORTING AGENCIES, A NUMBER OF MY ACCOUNTS HAVE BEEN CHARGED OFF AND SOLD IN XXXX. IT IS NOW XX/XX/XXXX AND I HAVE NEVER RECEIVED A 1099-C FORM FROM ANY OF THEM.

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 2025-02-22 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: NC

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$7600.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$580.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX IN. XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance {$130.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$220.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: LEXISNEXIS
State: NC

Complaint narrative:
i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX XXXX XXXX LEXIS NEXUS XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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:
Cash app violated my rights and allowed a data breach with in their network causing me financial and mental distress their where no protocols or measures implemented to inform me or stop the security breach. They also failed to investigate any of my disputes thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 explanation
Consumer complaint received 2025-02-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-22 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: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting by XXXX Dear CFPB I am writing to formally dispute inaccurate information that XXXX is reporting on my credit file. Specifically : Account that was fully paid with the original balance of XXXX. 

First issue is, XXXX Re-Aging of My Payment History : XXXX has incorrectly reported my first payment as XX/XX/year>, which is inaccurate and misleading. This misrepresentation of my payment summary has negatively impacted my credit history. Also, XXXX has incorrect Delinquency Reporting on my consumer profile 's payment summary. XXXX is reporting my account as 60 days past due as of XX/XX/year>. However, I made a payment that month, bringing my account current. Despite this, XXXX failed to update my account status to reflect current after a payment was completed on my Experian credit P

rofile Payment Summary, leaving it incorrectly marked as 60 days delinquent. These inaccuracies violate federal and state consumer protection laws, including : Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers of credit information from reporting inaccurate or misleading data to credit bureaus. XXXX failure to update my payment status and its re-aging of my account violate this provision. 

Consumer Financial Protection Bureau Regulations : Under the CFPBs authority, creditors and furnishers are required to maintain accurate and fair reporting of consumer credit data. Providing false or misleading information can be considered an unfair, deceptive, or abusive act or practice. 

California Consumer Credit Reporting Agencies Act California Civil Code 1785.25 ( a ) : States that a company can not furnish information to credit reporting agencies that it knows or should know is inaccurate. XXXX failure to correct these errors after my account was made current is a violation of this law. 
Californias Unfair Competition Law Business & Professions Code 17200 : Prohibits unfair, unlawful, and fraudulent business practices, including misleading credit reporting practices that harm consumers. 

I already disputed this account with Experian and XXXX continued to furnish them with this inaccurate information. XXXX is in Violation of FCRA 15 U.S.C. 1681e ( b ) ( Failure to Maintain Maximum Possible Accuracy ). 

XXXX has a duty to provide only accurate and up-to-date information to Experian. By continuing to report the wrong account status after a dispute, they failed to meet this standard. 

I am requesting that XXXX promptly correct these errors by removing this inaccurate account from my credit report.

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