vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: WI

Complaint narrative:
These is the account that I have marked as inaccurate. 
XXXX XXXX XXXX  Account number 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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On the morning of XX/XX/XXXX I received an urgent call from the Fraud Unit of my Bank alerting me that a suspicious fraudulent wire transfer was being attempted plus several charges coming in from other States that seemed suspicious as well. The fraudulent Citibank Bank Fraud Unit agent said he would walk me through all of these charges and get them canceled. He said it was very important to act right away and I was quite panicked to hear all of this. 
My bank where I have been a client for nearly 50 years is : Citibank in XXXX XXXX XXXX XXXX  www.citibank.com I asked him how do I verify he is from the Fraud Unit - he assured me that this is now the policy for Citimobile users, unless I was unable to go to my local branch but I could not because I am out of town. He gave me his name and number and said I can call my bank to verify him once we get this emergency handled straight away. He was extremely professional and had all the protocols of Citibank down to a " T ''. All the same language and response. I do understand totally that I was blindsided and confused by all of this. I am a highly educated worldly woman and I became a victim of this fraudulent scam. {$1.00}, XXXX was stolen and when I called my bank to clarify all of this I then realized what had happened, I thought honestly that Citibank would refund the fraudulent wire transfer but they refused and were not at all helpful. Actually Citibank 's response is quite callous, telling me to contact the person who stole my money and resolve it on my own. The response to my dispute was received on XX/XX/XXXX and my bank refused to refund the stolen money. I am disputing this response. Is there any hope that I can receive a refund of the fraudulent wire transfer? Thank you for your kind attention and help.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
This is a formal complaint concerning the inaccurate and incomplete information that has been reported on my credit file by TransUnion, which I initially raised with them on XX/XX/XXXX, [ XXXX ]. Despite my concerns, the matter remains unresolved. I am requesting the Consumer Financial Protection Bureau 's assistance to address these issues under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I forwarded a letter to TransUnion regarding the following accounts, which have been inaccurately reported and appear on my credit report : XXXX XXXX XXXX Account Number : [ Insert Account Number ] Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S. DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S. DEPARTMENT OF EDUCATION Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the right to dispute inaccurate or incomplete information on my credit report. Specifically, FCRA Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies investigate disputed information, typically within 30 days, and correct any inaccuracies or incomplete information. My efforts to resolve this matter directly with TransUnion have not yielded any meaningful action or correction. 

Furthermore, Section 602A of the FCRA ensures that consumer reporting agencies maintain accurate, timely, and complete credit reporting. By continuing to report inaccurate account information, TransUnion is in violation of my rights under this law.

Despite my timely submission of the dispute to TransUnion, the listed accounts still appear with inaccurate information, which is severely affecting my credit score and financial well-being. The lack of resolution from TransUnion regarding these accounts is causing undue harm, and I am requesting the CFPB to assist in enforcing my rights under the FCRA and ensure the inaccurate information is properly addressed.

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 2025-02-05 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:
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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-02-05 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: MORTGAGE SOLUTIONS OF COLORADO
State: CO

Complaint narrative:
I have been calling and making complaints to mortgage solutions about the handling of my mortgage reporting to the three credit bureaus. They sent me a payment history saying that it is reported on my credit, which was not a credit report but a payment statement. Today the XXXX of XXXX I was told that Mortgage Solutions is not responsible for reporting, I was told by a manager that it is the credit bureau not reporting. I have made complaints to the credit bureau about the false reporting and nothing has happened. This none reported information has hurt us financially as we dont qualify for loans because the reporting is wrong. This is not fair as an American trying to survive in this economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - XXXX - {$7400.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: DC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
Experian has 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 Experian, 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 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 Experian 's 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 2025-02-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: KY

Complaint narrative:
I received a XXXX  ( to a former name ) for the Netspend XXXX XXXX. The card is real ( not cardboard ), and the advertisement makes it sound like it's a bank account. It states that this is a debit card and states that I have to open an account. It contained routing and bank information for me to direct-deposit into an account. It pledges that I can receive my payroll money two days earlier than normal. This is very misleading and confusing.

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 2025-02-05 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
All communication must be ceased to me regarding this debt. According to 15 U.S. Code 1692c - Communication in connection with debt collection. This is a form of communication. 

Respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I have been the PSLF program for my federal student loans for over 10 years. I am an attorney working in eviction defense for Legal Services NYC. I have certified my employment each year. I have 115 out of 120 qualifying payments. I have followed all the rules, made on time payments, certified my employment, submitted my income-based repayment applications yearly, and been a dedicated public servant for over a decade. I entered into the SAVE IBR plan in XXXX. Due to the litigation around SAVE brought by attorneys general in states I have never lived or worked in, I was placed into involuntary forbearance in XX/XX/XXXX, and that forbearance does not count towards PSLF. I do not have the option to make payments during this time, and I am not able to switch to a different IBR plan, so I am trapped. I've never missed a payment before and would never have entered into forbearance voluntarily. The only viable option I have is the buyback program. I submitted a buyback request on XX/XX/XXXX and requested to pay the months of XXXX - XX/XX/XXXX in order to reach 120 qualifying payments for PSLF. I have not received any update on my buyback request, and representatives from FSA can only tell me that the request is processing. I am extremely distressed that my request won't go through while the president is threatening to abolish the DOE. All I want to do is pay what I owe under this program and apply for the forgiveness I've been working towards for over 10 years.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-05 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: MN

Complaint narrative:
TransUnion is blocking me from submitting multiple disputes and delaying my ability to correct my credit report. 

When I attempted to dispute multiple inaccuracies in my credit file, I was only allowed to submit one dispute before the system automatically closed all other disputes for 30 days. This was never clearly stated upfront, nor was I given an alternative method to dispute additional accounts in a timely manner.

This violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which states that consumers have the right to dispute any inaccurate or unverifiable account at any time. By limiting my ability to file additional disputes, TransUnion is blocking me from correcting my credit report, which directly impacts my financial standing.

Additionally : They provide no clear notice that submitting one dispute will lock all others for 30 days.

They do not provide any alternative methods to file additional disputes. 
They are impossible to reach in a timely manner to resolve this issue. 
I am disputing multiple errors in my credit history, and TransUnion is blocking me from correcting these mistakes, potentially harming my credit score. I demand that : TransUnion immediately allow me to file all my disputes without restriction.

They provide clear, written policies regarding dispute submission limits. 
They stop using automated systems that restrict consumers from correcting their credit files. 

If TransUnion refuses to comply, I request that the CFPB investigate and take regulatory action. 

Thank you, 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CARS Acquisition, LLC
State: AZ

Complaint narrative:
Purchased a vehicle and had made monthly payments on time for 3 years ( not one late payment ), and the company did not report it to any of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 explanation
Consumer complaint received 2025-02-05 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Army and Air Force Exchange Service
State: SC

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states ; " I have the right to privacy 15 USC 1681 section 6048 section 2 states ; " a consumer reporting agency can not furnish an account without my instructions. Under 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Marlette Funding, LLC
State: SC

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states ; " I have the right to privacy 15 USC 1681 section 6048 section 2 states ; " a consumer reporting agency can not furnish an account without my instructions. Under 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation