vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MD

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: AR

Complaint narrative:
I recently reviewed my credit report and noticed multiple open accounts from SELFXXXX ( XXXX XXXX XXXX  ) that I did not authorize. I am concerned about the accuracy of this information and the potential impact on my credit score. I request an immediate investigation into these accounts and a written explanation of their origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-10 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: NM

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

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. ''

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 2025-02-10 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: NY

Complaint narrative:
I am filing a dispute against Experian for inaccurately reporting an item on my credit report that is both misleading and incorrect. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report, and this error is causing me significant harm. 

XXXX. Timeline of Events : Date of Discovery : I first reviewed my credit report on XX/XX/year> and I noticed that an entry labeled XXXXXXXX XXXX was inaccurately reported. 
Date of Dispute with Experian : I contacted Experian to dispute this information on XX/XX/year>, explaining that the item was incorrect. 

XXXX. Inaccuracy and Impact : The item is inaccurately listed which violates the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, which requires accurate and timely information. 
As of today, XX/XX/year>, this inaccurate entry is still present, negatively affecting my credit score and financial opportunities. This is an ongoing issue that has not been resolved through direct communication with Experian. 
XXXX. Action Taken : I provided Experian with all relevant documentation to support my claim I requested Experian to investigate the matter thoroughly and update my credit report with accurate information per the FCRA 's requirements. 
XXXX. Desired Outcome : I request that the inaccurate entry be removed or corrected in accordance with the FCRA and other applicable consumer protection laws. 
I ask that Experian conducts a proper reinvestigation and provides me with the results within the legally mandated XXXXday timeframe under Section XXXX of the FCRA.

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 2025-02-10 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: NY

Complaint narrative:
I am filing a dispute against Experian for inaccurately reporting an item on my credit report that is both misleading and incorrect. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report, and this error is causing me significant harm. 

XXXX. Timeline of Events : Date of Discovery : I first reviewed my credit report on XX/XX/year> and I noticed that an entry labeled XXXXXXXX XXXX was inaccurately reported. 
Date of Dispute with Experian : I contacted Experian to dispute this information on XX/XX/year>, explaining that the item was incorrect. 

XXXX. Inaccuracy and Impact : The item is inaccurately listed which violates the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, which requires accurate and timely information. 
As of today, XX/XX/year>, this inaccurate entry is still present, negatively affecting my credit score and financial opportunities. This is an ongoing issue that has not been resolved through direct communication with Experian. 
XXXX. Action Taken : I provided Experian with all relevant documentation to support my claim I requested Experian to investigate the matter thoroughly and update my credit report with accurate information per the FCRA 's requirements. 
XXXX. Desired Outcome : I request that the inaccurate entry be removed or corrected in accordance with the FCRA and other applicable consumer protection laws. 
I ask that Experian conducts a proper reinvestigation and provides me with the results within the legally mandated XXXXday timeframe under Section XXXX of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: CO

Complaint narrative:
My credit report indicates that my payment for XXXX was reported as late, and this information has been communicated to all three credit bureaus. I have already disputed this matter with each bureau, but none have updated the information accordingly. 

I would like to clarify that I sold the property on XX/XX/year>, and I have attached all relevant closing documents for your review. I made the payment for XX/XX/XXXX ; however, even if I had not, it would not have been considered late. This is because the closing occurred on the XXXX, and the title company received the funds from the buyer immediately after, well within the XXXX timeframe. 


If you need any further adjustments, just let me know!

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 2025-02-10 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: CO

Complaint narrative:
My credit report indicates that my payment for XXXX was reported as late, and this information has been communicated to all three credit bureaus. I have already disputed this matter with each bureau, but none have updated the information accordingly. 

I would like to clarify that I sold the property on XX/XX/year>, and I have attached all relevant closing documents for your review. I made the payment for XX/XX/XXXX ; however, even if I had not, it would not have been considered late. This is because the closing occurred on the XXXX, and the title company received the funds from the buyer immediately after, well within the XXXX timeframe. 


If you need any further adjustments, just let me know!

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 2025-02-10 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: CO

Complaint narrative:
My credit report indicates that my payment for XXXX was reported as late, and this information has been communicated to all three credit bureaus. I have already disputed this matter with each bureau, but none have updated the information accordingly. 

I would like to clarify that I sold the property on XX/XX/year>, and I have attached all relevant closing documents for your review. I made the payment for XX/XX/XXXX ; however, even if I had not, it would not have been considered late. This is because the closing occurred on the XXXX, and the title company received the funds from the buyer immediately after, well within the XXXX timeframe. 


If you need any further adjustments, just let me know!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NM

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-10 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Apt XXXX XXXX, NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute an error I found on my credit report. Upon reviewing my report, I noticed that the [ XXXX ] account has an incorrect account opening date listed. The report states that the account was opened on XX/XX/XXXX but according to my records, the correct opening date is XX/XX/XXXX. I am writing to formally dispute inaccurate and outdated information on my credit report. I noticed the following errors that require immediate correction or removal in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX tx, XXXX This account has exceeded the legally allowed reporting period of seven years and should be removed from my report.

Under the FCRA, negative information must be deleted after seven years ( except for bankruptcy, which has a different time frame ). Please ensure this outdated account is removed immediately.

I have attached supporting documents, including mention any supporting documents to verify the correct information. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and update my credit report with the correct information.

Please provide me with a written response regarding the results of your investigation. If you determine that the information is indeed incorrect, I request that you send me an updated credit report reflecting the corrections. 

Thank you for your prompt attention to this matter. If you require any additional information, please contact me at XXXX or XXXX Sincerely, 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 2025-02-10 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute an error I found on my credit report. Upon reviewing my report, I noticed that the [ XXXX ] account has an incorrect account opening date listed. The report states that the account was opened on XX/XX/XXXX but according to my records, the correct opening date is XX/XX/XXXX. I am writing to formally dispute inaccurate and outdated information on my credit report. I noticed the following errors that require immediate correction or removal in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX tx, XXXX This account has exceeded the legally allowed reporting period of seven years and should be removed from my report.

Under the FCRA, negative information must be deleted after seven years ( except for bankruptcy, which has a different time frame ). Please ensure this outdated account is removed immediately. 

I have attached supporting documents, including mention any supporting documents to verify the correct information. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and update my credit report with the correct information. 

Please provide me with a written response regarding the results of your investigation. If you determine that the information is indeed incorrect, I request that you send me an updated credit report reflecting the corrections. 

Thank you for your prompt attention to this matter. If you require any additional information, please contact me at XXXX or XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XX/XX/year> : XXXX XXXX XXXXXX/XX/year> : XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
Hello Harris and Harris has been texting my mother 's phone number weekly regarding my debts owed to the XXXX XXXX XXXX 
Phone Number ( XXXX ) They texted her on the following dates from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation