vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint to dispute inaccurate information reported by Experian on my consumer report, specifically a XXXX XXXX Bankruptcy identified as Bankruptcy Discharge XXXX Reference # XXXX, allegedly filed on XX/XX/year>. This information is incorrect and should not be included in my file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), consumer reports play a vital role in determining credit and employment eligibility, making it essential that the information reported is accurate. Experian reporting of this erroneous bankruptcy violates this principle and negatively impacts my financial opportunities. Pursuant to 15 U.S.C. 1681e ( b ), Experian is required to maintain maximum possible accuracy in its reporting, yet the presence of this disputed bankruptcy shows a failure to meet this standard. Additionally, under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccuracies, and Experian is obligated to conduct a reasonable reinvestigation. Experian failure to correct this misinformation may constitute willful noncompliance under 15 U.S.C. 1681n, which allows for statutory damages, punitive damages, and attorneys fees. Alternatively, if the violation is due to negligence, Experian may be liable under 15 U.S.C. 1681o, which provides for actual damages and legal costs. I request the immediate deletion of this inaccurate bankruptcy record and written confirmation of the correction.

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 2025-02-25 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: IL

Complaint narrative:
PERSONAL STATEMENT As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- | 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted Transunion. Please delete the following accounts XXXX XXXX XXXX {$470.00} XXXX XXXX {$300.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX$390.00}

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 2025-02-25 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: MD

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 non-monetary relief
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I wrote Transunion credit reporting agency detailing several inaccurate reportings on my credit file. The company did respond but did nothing to fix any of the inaccuracies. I have the reports attached showing the inaccuracies and I am requesting these be removed according to the FCRA 15 USC 1681e ( b ), as these accounts are not showing the maximum possible accuracy, the open date, and the date last active are not accurate. They have had ample time to correct the problem and have done nothing so far. They have ignored my request for a review, avoided my request, and done everything they could to avoid fixing the problem. I would like my rights to be upheld and the continuous violation of my rights to cease. 

The account that am requesting be deleted for reporting false, incomplete, and inaccurate information is XXXXXXXX XXXX XXXX XXXX XXXX amount XXXX The open dates shown are incorrect and inconsistent across each credit reporting agency which is highlighted in my attached documents The date last active is incorrect and inconsistent across each credit reporting agency which is highlighted in my attached documents.

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 2025-02-25 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-25 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 :

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 2025-02-25 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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not 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 hardship and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Its 2 addresses on my credit report that is in correct Ive tried to contact all 3 credit bureaus. Experian wont take 2 addresses off my report so Im reaching out so these addresses can be removed asap because they are incorrect I only want my current address on my 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
Consumer complaint received 2025-02-25 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv 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 both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Cash App handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cash App numerous times, and reporting discrepancies, my financial institution and Cash App failed to investigate my claims adequately. They informed me that recovering my funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cash App 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
Experian is inaccurately reporting personal information even though I had requested and filed a complaint to remove these inaccurate addresses that do not belong to me. This is a direct violation of my consumer rights and the FCRA. I have uploaded a copy of my Driver License, SS CARD and a copy of your inaccurate credit report to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
Experian is inaccurately reporting personal information even though I had requested and filed a complaint to remove these inaccurate addresses that do not belong to me. This is a direct violation of my consumer rights and the FCRA. I have uploaded a copy of my Driver License, SS CARD and a copy of your inaccurate credit report to this 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 2025-02-25 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act Account # XXXX XXXX XXXXXXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a acount without my written instructions.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act Account # XXXX XXXX XXXXXXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a acount without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: FL

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 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 2025-02-25 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: GA

Complaint narrative:
I am writing to formally address the findings of fraudulent activities conducted in my name, which have resulted in unauthorized accounts and debts being reported under my credit profile. As per my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and removal of the fraudulent information from my credit report.

Upon review of my records, I have identified the following fraudulent accounts and debts that do not belong to me and were opened or incurred without my knowledge or consent : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX These accounts were fraudulently created and have negatively impacted my creditworthiness. I have already submitted an Identity Theft Report to the Federal Trade Commission ( FTC ) and any other necessary authorities to substantiate this claim. I am attaching all supporting documentation, including a copy of my government-issued ID, the FTC Identity Theft Report, and any additional evidence to confirm my identity and innocence in this matter. 
Under the FCRA, I request that these fraudulent accounts be blocked and permanently removed from my credit report. I further request written confirmation once the inaccuracies have been resolved. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I am writing to formally address the findings of fraudulent activities conducted in my name, which have resulted in unauthorized accounts and debts being reported under my credit profile. As per my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and removal of the fraudulent information from my credit report.

Upon review of my records, I have identified the following fraudulent accounts and debts that do not belong to me and were opened or incurred without my knowledge or consent : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX These accounts were fraudulently created and have negatively impacted my creditworthiness. I have already submitted an Identity Theft Report to the Federal Trade Commission ( FTC ) and any other necessary authorities to substantiate this claim. I am attaching all supporting documentation, including a copy of my government-issued ID, the FTC Identity Theft Report, and any additional evidence to confirm my identity and innocence in this matter. 
Under the FCRA, I request that these fraudulent accounts be blocked and permanently removed from my credit report. I further request written confirmation once the inaccuracies have been resolved. 
Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting
agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2025-02-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Between XX/XX/XXXX, XXXX XXXX, XXXX, I have XXXX hard inquiries on my Transunion, Equifax and Experian accounts I did not authorize. I purchased a new vehicle on XX/XX/XXXX and should have only had XXXX hard inquiry from XXXX XXXX as they are the exclusive Finance company for XXXXXXXX XXXX Car Dealership. The rest of these hard inquiries listed below were UNAUTHORIZED XXXX. XXXX ( XXXX ) - XX/XX/XXXX ( car loan ) XXXX. XXXX XXXX XX/XX/XXXX ( car Loan XXXX. XXXX XXXX- XX/XX/XXXX ( car loan ) XXXX. XXXX XX/XX/XXXX ( car loan ) XXXX. XXXX XXXX XX/XX/XXXX ( car loan ) XXXX. XXXX XXXX XX/XX/XXXX ( car loan ) XXXX Finance XX/XX/XXXX ( unknown ) XXXX. XXXX- XX/XX/XXXX ( unknown ) XXXX. XXXX XXXX XXXX ( unknown ) XXXX. XXXX XXXX Bank XXXX XXXX XX/XX/XXXX ( unknown ) XXXX. XXXX ( Bank XXXX XXXX ( unknown )

Company response to consumer: Closed with explanation