vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: VA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: OH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my Transunion credit report, is the result of that 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 2025-02-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: DE

Complaint narrative:
I disputed a few charges on XXXXXX/XX/year> and Also XXXX I believe I didnt authorize them transaction and my card was stolen within 10 business days u had to write a letter to get qualified for XXXX XXXX and they failed to grant me that as well I got a email stating no error was found I have no knowledge of these transactions ask for a rebuttal hearing I was told that they was sending documents which never occurred now Im here

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 2025-02-13 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX I am writing to formally dispute an inaccurate item listed on my credit report. After reviewing my credit report, I noticed the following error ( s ) that I believe needs to be corrected on all XXXX credit monitoring agencies TransUnion, Equifax and Experian  XXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX - reported XX/XX/XXXX {$11000.00} - received letter stating the company adjusted balance from {$11000.00} to {$0.00} - no update as of XX/XX/XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX XXXX XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX. XXXX XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXXXXXX XXXX XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX. XXXX XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in Chap XXXX XXXX  XXXX XXXX - reported XX/XX/XXXX - {$0.00} balance included in XXXX. XXXX XXXX Incorrect addresses are as followed : 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 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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am on my XXXX rebuttal with chime from when I first filed my claim on XX/XX/year> for fraudulent activity on my account amounting to XXXX. Chime has not investigated my claim in the correct way. A way that violates my rights and regulation E and Z and also the EFTA law. They say they provided me with the documents that helped them come to their determination but all they have sent me a couple times out of the 8 times I re opened the claim is a list of the transactions I am filing the claim for. Not only does that not properly show a valid reasoning on the denial but its also a slap in the face to myself, and truly goes to show that they never investigated anything to begin with My transaction history is nothing that compares to my past history before the fraudulent activity took place. Yet they assume no error has occurred. Chime needs to be held accountable for this ruthless behavior. I demand my provisional credit TODAY. The credit I have rightfully been agreed to be given by some of their own representatives on multiple occasions and then they never issue it. They have continue to delay the process of my claim just so it got past the 60 day mark which they state makes me ineligible for my credit It doesnt work like that. I need my money back or Im going to pursue arbitration the following day from this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Social Security is reported inaccurate things on my credit report and my information was leaked and the data breach XXXX XXXX XXXX XXXX  XXXX XXXX  was paid but reporting as negative XXXX XXXX XXXXXXXX XXXX XXXX is

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 2025-02-13 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: TX

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

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
The following accounts include : 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 2025-02-13 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: OH

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2025-02-13 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:
Subject : Urgent Complaint Regarding Unauthorized Dispute on My Husbands XXXX XXXX XXXX XXXX Account I am filing a formal complaint against XXXX, XXXX, and Experian for falsely reporting a dispute on my husbands XXXX XXXX XXXX XXXX XXXX  account, on which I was an authorized user for years. Neither my husband nor I ever filed a dispute regarding this account, yet on XX/XX/year>, my husband received a letter from XXXX XXXX XXXX stating that I had been removed from his account due to a dispute they received from the credit bureaus. To be absolutely clear : This is not my accountit belongs solely to my husband. I was only listed as an authorized user, and at no point did either of us request a dispute or removal. This action was taken without our knowledge or consent, and it is a direct failure by the credit bureaus to accurately handle consumer data. Additionally, this interference in my husbands financial account violates his privacy and rights. To address this matter, I have already filed complaints with : The XXXX Attorney General The Federal Trade Commission ( FTC ) on XX/XX/year> However, immediate action is required from the CFPB to ensure that XXXX, XXXX, and Experian correct their reporting errors and prevent further unauthorized interference in my husbands account. Requested Action : Contact XXXX XXXXXXXX XXXX to confirm that no dispute was ever filed by me or my husband and reinstate me as an authorized user on his account. Require XXXX, XXXX, and Experian to immediately correct their records and remove the false dispute notation. Investigate this serious mishandling of personal credit data and hold the responsible credit bureaus accountable. Ensure stronger compliance measures to prevent such unauthorized actions from happening in the future. This ongoing negligence by the credit bureaus is severely impacting my financial standing, and I demand swift corrective action. I appreciate your urgent attention to this matter and look forward to your response.

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 2025-02-13 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:
My name is XXXX XXXX and my identity was stolen in XX/XX/XXXX ( dark web ). It was until XX/XX/XXXX, that law enforcement informed me that identity was stolen in XXXX and the individual went as far as using my social security number to work under and even submit tax returns with the IRS.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and my identity was stolen in XX/XX/XXXX ( dark web ). It was until XX/XX/XXXX, that law enforcement informed me that identity was stolen in XXXX and the individual went as far as using my social security number to work under and even submit tax returns with the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
Subject : Urgent Complaint Regarding Unauthorized Dispute on My Husbands First Premier Credit Card Account I am filing a formal complaint against XXXX, Equifax, and XXXX for falsely reporting a dispute on my husbands XXXX XXXX Bank credit card account, on which I was an authorized user for years. Neither my husband nor I ever filed a dispute regarding this account, yet on XX/XX/year>, my husband received a letter from XXXX XXXX Bank stating that I had been removed from his account due to a dispute they received from the credit bureaus. To be absolutely clear : This is not my accountit belongs solely to my husband. I was only listed as an authorized user, and at no point did either of us request a dispute or removal. This action was taken without our knowledge or consent, and it is a direct failure by the credit bureaus to accurately handle consumer data. Additionally, this interference in my husbands financial account violates his privacy and rights. To address this matter, I have already filed complaints with : The Texas Attorney General The Federal Trade Commission ( FTC ) on XX/XX/year> However, immediate action is required from the CFPB to ensure that XXXX, Equifax, and XXXX correct their reporting errors and prevent further unauthorized interference in my husbands account. Requested Action : XXXX XXXX XXXX Bank to confirm that no dispute was ever filed by me or my husband and reinstate me as an authorized user on his account. Require XXXX, Equifax, and XXXX to immediately correct their records and remove the false dispute notation. Investigate this serious mishandling of personal credit data and hold the responsible credit bureaus accountable. Ensure stronger compliance measures to prevent such unauthorized actions from happening in the future. This ongoing negligence by the credit bureaus is severely impacting my financial standing, and I demand swift corrective action. I appreciate your urgent attention to this matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: MO

Complaint narrative:
Inquiries that I never authorized on all the reporting agencies.

Account information is not accurate/different from one reporting agencies.

Credit score from each agency are so different.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of fraud and identity theft for some time now on the XXXX web, At this time I was alerted by transunion. I dont understand why this issue was not alerted to me sooner. I am not happy with any of the theee bureaus at this time, by law I am not entitled to pay any discrepancies with any hard or soft inquiries or any new credit are openings or charges. I have taken action to freeze my credit account at this time. I need this taken care of and removed from my credit immediately, or I have no choice but to take further actions Sincerely 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 2025-02-13 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: TomoCredit Inc.
State: AZ

Complaint narrative:
TomoCredit, Inc. 
Attention : Customer Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Demand for Action Regarding Failure to Report Payment History to Credit Bureaus Dear Sir/Madam , I am writing to formally address the issue regarding TomoCredit 's failure to fulfill its contractual obligations as outlined in your Terms of Service. In XX/XX/year>, I enrolled in your credit service, which explicitly stated that past payment history would be reported to the credit bureaus while also paying a higher price for expedited service. 

However, despite repeated attempts to resolve this matter through customer service and filing complaints with relevant authorities ( Arizona Attorney General, California Attorney General, and the Consumer Financial Protection Bureau ), TomoCredit has failed to uphold its promise to report this payment history, which has adversely affected my credit. 

1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) The FCRA mandates that companies providing credit services report accurate information to the credit bureaus.

Relevant Section : Section 1681s-2 ( a ) requires that information furnishers must report accurate information to credit bureaus. 

2. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) This failure constitutes fraud and misrepresentation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), California Business and Professions Code 17200, and the Arizona Consumer Fraud Act ( A.R.S. 44-1522 ). As a result, I am seeking the following remedies : 1. Immediate reporting of my past payment history to the credit bureaus. 

2. Compensation for any financial harm incurred due to this failure, totaling XXXX for the two months I applied payments to your company for the service advertised that was not rendered. 

I have also requested arbitration from this business, but no response or contact has been made. 

I request that you address this matter within 14 days of receipt of this letter. Should you fail to resolve this issue within the specified time, I will pursue legal action by filing a claim in small claims court for breach of contract and/or fraud. 

Please consider this letter as a final opportunity to resolve this matter amicably before I initiate legal proceedings. I expect to receive confirmation from you within the specified timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within XXXX  days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation