vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-01-27 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: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
Hello, Sir/Madam.

I have been the victim of identity theft. I recently discovered that my personal information was used to open an account with the original creditor, XXXX XXXX. 

I did not open or authorize this account, thus I request that it be closed immediately. I also ask that you absolve me of any charges on the account and take all required steps to remove information about this account from all records as soon as feasible!!!! 

A copy of my Identity Theft Report, which backs up my claim, is provided, along with copies of my Clarity Report and FTC ID Theft Report. 
A copy of the CFPB 's Notice to Information Furnishers is also given, which details your responsibilities as a provider of information to credit reporting bureaus. As a furnisher, upon receipt of a consumer 's written request accompanied by an Identity Theft Report, you must stop providing identity theft-related information to any CRA. 

The Notice also specifies your responsibilities when a CRA tells you, in accordance with Section 605B of the Fair Credit Reporting Act, that the information you provided to the CRA may be the result of identity theft.

These responsibilities include refraining from providing inaccurate information to any CRAs and not attempting to sell or transfer fraudulent debts to another party for collection. Please investigate this problem, deactivate the account, clear me of any charges, adhere to the Fair Credit Reporting Act 's obligations, and send me a letter describing your findings and actions. 

IN ADDITION, I HAVE EMAILED, CALLED TO GET THIS ACCOUNT REMOVED WITHOUT FAIL AND THEY CONTINUE TO LIE LIE LIKE BUTTERFLIES!!!

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 2025-01-27 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: FL

Complaint narrative:
Hello, Sir/Madam. 

I have been the victim of identity theft. I recently discovered that my personal information was used to open an account with the original creditor, XXXX XXXX. 

I did not open or authorize this account, thus I request that it be closed immediately. I also ask that you absolve me of any charges on the account and take all required steps to remove information about this account from all records as soon as feasible!!!! 

A copy of my Identity Theft Report, which backs up my claim, is provided, along with copies of my Clarity Report and FTC ID Theft Report. 
A copy of the CFPB 's Notice to Information Furnishers is also given, which details your responsibilities as a provider of information to credit reporting bureaus. As a furnisher, upon receipt of a consumer 's written request accompanied by an Identity Theft Report, you must stop providing identity theft-related information to any CRA. 

The Notice also specifies your responsibilities when a CRA tells you, in accordance with Section 605B of the Fair Credit Reporting Act, that the information you provided to the CRA may be the result of identity theft.

These responsibilities include refraining from providing inaccurate information to any CRAs and not attempting to sell or transfer fraudulent debts to another party for collection. Please investigate this problem, deactivate the account, clear me of any charges, adhere to the Fair Credit Reporting Act 's obligations, and send me a letter describing your findings and actions. 

IN ADDITION, I HAVE EMAILED, CALLED TO GET THIS ACCOUNT REMOVED WITHOUT FAIL AND THEY CONTINUE TO LIE LIE LIKE BUTTERFLIES!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I received an alert of a collection account that I have no knowledge of. I immediately began freezing my credit reports. 
Experians website would not allow me to log in. I received an error message stating that I was locked out and should call the number on the screen for assistance ( photo attached ).

When I called the number, a man answered and stated that I never completed my account set up and would have to complete the setup to get a password. He stated that I should go to sign up and create the account. I attempted that but received an error message stating that my email address is associated with an account. I called back and a lady answered giggling in the background. She hung up without saying anything. I called back and I keep getting the automated system. The system refused to transfer you to a person and hangs up on you. 
I dont know what is going on. I appears that Experian is holding my credit report information hostage and avoiding communication with consumers. Im concerned about what is on my report and cant even access it.

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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I was in a car accident in XXXX which has caused me some hardship. Last month somehow my payment, which is normally automatic did not occur, I was charged over {$200.00} in fee 's. This month the same thing happened. I have asked for some help with the fee 's as they are excessive with being over {$210.00} this month. I can not afford that but they won't help. I am not sure what to do. i am afraid i am going to have to file bankruptcy which will just not get them paid at all and is not what I want. I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have a debt consoldation working on some of my accounts. There has been 3rd party collection on my credit. There is also old information on my report keeping my credit score way down. I also would like to know if capital one used my info wrong and im on the lawsuit?

Also i would like to know if im on the list for XXXX XXXX and the other credit reporting agency i just cant think of it right now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MO

Complaint narrative:
XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX XXXX XXXX inaction violates federal law and my rights as a consumer. Accounts : 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 2025-01-27 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: MO

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's, and XXXX inaction violates federal law and my rights as a consumer. Accounts : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CO

Complaint narrative:
My Cash app account was overdrafted to the negatives because it was hacked and I had no representative to contact about the transactions that were not made by me, the account ended up closing and I had to make a new one but still have not been able to receive money that was taken out of my account, after submitting my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TX

Complaint narrative:
on my report it is still showing that I miss payments and they already repossess the account and under the fair credit reporting act I believe this to be illegal and want it removed immediately off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IN

Complaint narrative:
I was denied credit due to information being reported by consumer credit reporting agencies. I do not agree to credit agencies reporting information about me. I also want to dispute the collection reported by XXXX XXXX XXXX for {$390.00}, this amount is an error.

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 2025-01-27 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: IN

Complaint narrative:
I was denied credit due to information being reported by consumer credit reporting agencies. I do not agree to credit agencies reporting information about me. I also want to dispute the collection reported by XXXX XXXX XXXX for {$390.00}, this amount is an error.

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 2025-01-27 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: FL

Complaint narrative:
I am writing to dispute the publication of certain information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681b, credit reporting agencies may only include information in a consumer 's credit report if there is a permissible purpose defined by law and if the consumer has explicitly authorized it.

In this specific case, I never gave my consent, nor was I presented with any contract or disclosure explicitly authorizing, either in writing or verbally, the publication of the following accounts on my credit report. Therefore, the inclusion of this information is inaccurate and constitutes a violation of my rights as a consumer. 

Accounts in Dispute : Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Furthermore, according to XXXX5 U.S.C. 1681c-2, when a consumer submits a formal identity theft report, credit reporting agencies must block any information identified by the consumer within four business days. Although this case does not involve identity theft, the lack of consent and disclosure reflects a violation of the FCRAs principles requiring accuracy, transparency, and lawful reporting.

I am also attaching my FTC identity theft report to support my dispute, including the report number : FTC Report Number : XXXX. 

I remind you that under the FCRA, you are required to complete your investigation of this dispute. Failure to comply with these legal requirements may result in additional actions, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I am writing to dispute the publication of certain information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681b, credit reporting agencies may only include information in a consumer 's credit report if there is a permissible purpose defined by law and if the consumer has explicitly authorized it.

In this specific case, I never gave my consent, nor was I presented with any contract or disclosure explicitly authorizing, either in writing or verbally, the publication of the following accounts on my credit report. Therefore, the inclusion of this information is inaccurate and constitutes a violation of my rights as a consumer. 

Accounts in Dispute : Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Furthermore, according to 15 U.S.C. 1681c-2, when a consumer submits a formal identity theft report, credit reporting agencies must block any information identified by the consumer within four business days. Although this case does not involve identity theft, the lack of consent and disclosure reflects a violation of the FCRAs principles requiring accuracy, transparency, and lawful reporting. 

I am also attaching my FTC identity theft report to support my dispute, including the report number : FTC Report Number : XXXX. 

I remind you that under the FCRA, you are required to complete your investigation of this dispute. Failure to comply with these legal requirements may result in additional actions, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I used paypal to send XXXX $ to a peson who claimed that he would sell me a watch. He got the money through paypal but refused to send the watch. I reached out to paypal and nothing can be done about that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
there are unauthorized inquires on my credit file that someone attempted to do with my personal information. Please remove these from credit report. 


XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
TransUnion NEVER received my written permission to report the XXXXXXXX XXXX XXXX XXXX account, which means they are already violating 15 USC 1681b ( 2 ) by reporting this account without my written authorization. But it doesnt stop there. XXXX failure to ensure accurate reporting also violates 15 USC 1681e ( b ), which explicitly requires credit reporting agencies to maintain maximum possible accuracy in the information they report. This negligence demonstrates complete disregard for federal law and my rights as a consumer. Despite multiple disputes regarding this account, TransUnion has willfully refused to remove it, which constitutes repeated violations of 15 USC 1681n and 15 USC 1681o. These actions demonstrate both willful and negligent noncompliance with the Fair Credit Reporting Act. By continuing to report this inaccurate information, TransUnion is knowingly disregarding federal law, which exposes them to liability for damages of at least {$1000.00} per violation, plus additional punitive damages for willful misconduct. This unresolved account has caused severe harm to me, including emotional distress, damage to my reputation, and financial loss. I demand immediate removal of this account from my credit report. TransUnion must confirm this action in writing and provide an updated report without delay. Failure to resolve this matter will result in further legal and regulatory action. I trust the CFPB will take appropriate action to ensure TransUnion complies with federal law and ceases these harmful practices immediately.

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