vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: VA

Complaint narrative:
TRANSUNION XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION FIX ERRORS OR REMOVE ACCOUNT XXXX XXXX ( XXXX ) - ( XXXX ) XXXX My expectations were not met by your submission, which seems to have deviated from the Metro 2 guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 
There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this Inaccurate/Incorrect Account off my report Immediately. 


Two-Year Payment History : ( XXXX ) PAYMENT HISTORY DIFFERENT XX/XX/XXXX TO XX/XX/XXXX XXXX : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX TransUnion : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX I deal with the disparities in payment history reporting between different agencies in a frustrated and unsatisfied mood. The accuracy of the reported data is contested in this formal consumer complaint, which demonstrates my resolve to make things right. There should be no room for compromise ; I demand that reporting entities take corrective action right away. 


Account # : ( XXXX ) ( XXXX ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE 2 DIFFERENT ACCOUNT NUMBERS? 
XXXX : XXXX TransUnion : XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} XXXX : {$27.00} TransUnion : {$27.00} Last Verified : ( 2 ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/year> Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES? 
XXXX : XX/XX/year> TransUnion : XX/XX/year> Closed Date : ( XXXX ) ( 2 ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Zelle is un safe and easy to be scammed. Zelle advertised the platform as safe, secure and backed by the banks, which the suit says gave consumers a false sense of security. Money has been unauthorized by me and I was told it was nothing that could be done to recover funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
XXXXXXXX XXXX  multiple times I have disputed errors for this account including dates and amounts and both have gone unanswered or provided proof of amount. XXXX XXXX XXXX XXXX. 

XXXX- Genesis Credit Managment . No knowledge of account and have lived in the same place for 5 years and this is the second complex they have put on my account. The first one was removed and proved fraudulent then they added another one. Total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissons experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. ( FCRA ), 15 U.S.C 1681i The accounts are as followed Account name Account info Account name XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am a woman, I wanted to open a savings account with XXXX by Santander and during the process was required to submit images of all my sensitive documents for " approval ''. My male husband was not required to submit any images of documents and was approved immediately. I had to scan and upload my drivers license, passport and social security card. I have a larger balance to transfer and higher XXXX  score than he does, so neither of those explain the issue of greater scrutiny or longer approval times. We called customer service and asked why, they did not have an explanation. This is deliberate XXXX  discrimination.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Cash App ( operated by Block , Inc. ) due to their egregious failure to provide adequate customer service and their implementation of unfair practices that directly violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has demonstrably failed to take timely and effective measures to prevent and address fraudulent transactions on their platform, leaving my account vulnerable to significant financial loss and exposing me to undue inconvenience due to their inadequate dispute resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
I have called the representatives and putting in disputes with them over the phone. I have also mail them letters within the past year, disputing some of my accounts on my record. I have also asked how my credit report is reporting because sometimes it's not within 30 days. I I also disputed within the last year some fraudulent credit card inquiries that were not done by me. They have refused to removed any of these items that I dispute it coming back that they are legitimate, but not providing any proof.

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 2025-01-25 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: MD

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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an incorrect address listed on my credit report. The address " XXXX XXXX XXXX, XXXX, GA XXXX '' is not associated with me and should be removed from my file immediately. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), you are required to investigate and correct any inaccurate or incomplete information in a consumers credit file. You are further obligated to complete this investigation and notify me of the results within 30 days of receiving this dispute. 

Incorrect Address 's : XXXX XXXX XXXX XXXX, GA XXXX AND XXXX XXXX XXXX XXXX XXXX, NV XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX To aid in your investigation, I have enclosed copies of the following documents to verify my identity and correct address : A copy of my government-issued identification ( e.g., drivers license ) A recent utility bill showing my correct address Please note that failure to investigate and correct this inaccurate information within the required 30-day time frame, as stipulated by the FCRA, may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 

Thank you for your prompt attention to this matter. Please confirm in writing that the incorrect address has been removed from my credit report and provide me with an updated copy of my credit report reflecting this correction. 


Enclosures : Copy of drivers license Copy of utility bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CT

Complaint narrative:
Victim of identity, theft, and for years, my credit reports have all had incorrect names, incorrect addresses, and incorrect phone numbers. I had multiple accounts opened fraudulently,, and while those have been rectified on my report, it still shows all the personal information is wrong.

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 2025-01-25 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: CT

Complaint narrative:
Victim of identity, theft, and for years, my credit reports have all had incorrect names, incorrect addresses, and incorrect phone numbers. I had multiple accounts opened fraudulently,, and while those have been rectified on my report, it still shows all the personal information is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB- XXXX Last XXXX of XXXX XXXX XXXX name : Equifax Credit Information Services, Inc Bureau address : Equifax Credit Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I looked at my report recently I noticed an inaccuracy in my address and phone number Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report will follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, after the reinvestigation is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hi, I was late with a payment for my Capitol one credit card. They charged me a {$40.00} late fees. I called them to explain that they can't charge more than {$8.00} because of the law passed XX/XX/year>. She said no argued there was no law and that even if I call back and ask for a different manager they wouldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take prompt and effective steps to prevent and resolve fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive since they failed to follow the Electronic Fund Transfer Act ( EFTA ) and Regulation E 's error resolution criteria. These activities have caused significant annoyance and financial loss, and I am seeking reasonable restitution for these infractions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
well this is mostly about a data breach I was exposed to that has lead to several fradulant hard inquires. I had tried calling in but the company didnt do anything about them so it has lead me to taking this route.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OH

Complaint narrative:
Dear XXXX I am filing this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that you block fraudulent information appearing on my consumer credit report within 4 business days of receiving this letter. The inaccurate and false information on my report consists of the following fraudulent accounts and inquiries that were not opened, made, or initiated by me : Fraudulent Accounts : XXXX XXXX XXXX : An auto loan account opened in 2021 under account number ( private ). XXXX  XXXX XXXX XXXX A student loan account opened in 2021. Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a list of these fraudulent hard inquiries, as well as a copy of my consumer FICO credit report maintained by your agency, which highlights the fraudulent accounts and inquiries. These unauthorized accounts and inquiries have negatively impacted my credit and are the result of identity theft and fraud. Additionally, I have attached a copy of my FTC Identity Theft Criminal Complaint, case number ( XXXX ), as supporting documentation. Please process this request promptly and block all fraudulent accounts and inquiries listed above from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MD

Complaint narrative:
I am writing to file a complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to investigate disputes within 30 days. 

In 2024, I disputed inaccurate information on my credit report related to items being past 7 years and changing the name and being added back to credit report Despite providing necessary documentation, TransUnion has not investigated the matter or provided a satisfactory response, and the disputed information remains unresolved. 

This is a clear violation of the FCRA, which mandates that consumer reporting agencies ensure the accuracy and completeness of the information they report and respond promptly to disputes. 

I request that the CFPB investigate this matter and ensure that TransUnion follows the law by conducting a full investigation and correcting any inaccuracies on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MI

Complaint narrative:
I am filing a complaint against Equifax for neglecting to properly examine my disputes about credit report discrepancies. Equifax constantly responds to my submissions within 24 hours, claiming the account is accurate without giving evidence of a comprehensive examination. This technique violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. Section 1681i ), which requires a reasonable examination into complaints. Equifax 's conduct may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as noted in the CFPB 's recent administrative proceeding ( File No. XXXX ) for comparable infractions. I request that the CFPB take steps to ensure that Equifax follows federal law and provides consumers with the requisite proof of investigation.

Company response to consumer: Closed with non-monetary relief