vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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:
My credit bureau reports from XXXX, XXXX and Transunion are reporting an account opened XXXX with XXXX and XXXX assigned to XXXX XXXX XXXX XXXX XXXX with date of 1st delinquency XXXX. 
I sent a letter to XXXX on XXXX requesting I be provided proof of this agreement with my signature. Also I questioned why it was still being reported when the indicated date is beyond the 5 year time limit. 
The statute of limitations for credit card accounts under Missouri law, RSMo 516.120, is five years. 
The response letter I received from XXXX verified receipt of my letter requesting proof of my signature on a contract and rather than providing that proof to me simply responded that this account has been reported to the Credit Bureaus as " disputed ''. 
In the time it took to receive a response ( I mailed a certified letter on XX/XX/XXXX ) and received a letter dated XX/XX/XXXX advising me they had conducted an " investigation '' and that the information being provided to the Credit Bureaus is " accurate '' Because of the account being reported as 1st Delinquency of XXXX, that is considered a time barred account. I have also had numerous lawsuits filed through court after XXXX in which my bank account receiving Social Security be seized. 
I also have never received a 1099 C from 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 2025-02-06 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: AR

Complaint narrative:
list Inquiry on my account is Unauthorized and univariableXX/XX/XXXX XX/XX/XXXXXX/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 2025-02-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: AZ

Complaint narrative:
I am writing to file a formal complaint against National Debt Relief for their predatory practices and the significant harm they have caused me. As someone in desperate need of credit repair and seeking relief from persistent debt collectors, I trusted National Debt Relief to provide the assistance they promised. Unfortunately, their actions have only exacerbated my financial difficulties and severely damaged my credit. 

In XX/XX/scrub> 2023, I enrolled in National Debt Relief 's program, believing their assurances that they would help me manage my debts and repair my credit. However, I quickly realized that their promises were empty. National Debt Relief instructed me to stop making payments to my creditors and to ignore their calls. They claimed this would force the creditors to negotiate and settle for lower amounts. Instead, my accounts went into charge-offs, and my credit score plummeted. 

Despite taking over {$1300.00} from me, National Debt Relief failed to pay off a single creditor. They lied about everything and left me in a worse financial position than before. Additionally, they harassed me for payments every month, adding to the stress and anxiety of my already difficult situation. 

Here is a summary of my experience with National Debt Relief : - Instructed me to stop making payments and ignore creditor calls, leading to charge-offs and significant credit damage. 
- Collected over {$1300.00} from me without paying off any creditors. 
- Provided false information and assurances about their ability to manage and settle my debts. 
- Harassed me for monthly payments despite their lack of service. 

I would like to reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against National Debt Relief and other similar entities for engaging in illegal debt-relief practices. The CFPB and seven state attorneys general have taken action against these companies for collecting exorbitant fees from vulnerable consumers without providing the promised relief. 

Attached are the relevant documents, including communications from National Debt Relief and a statement from my XXXX XXXX savings account. 

National Debt Relief 's unethical practices have left me feeling betrayed and financially ruined. I urge the CFPB to investigate this matter and take appropriate action against National Debt Relief to prevent them from preying on other vulnerable individuals like myself. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: ME

Complaint narrative:
On or about XXXX XXXX, XXXX, I was in search of a XXXX XXXX for my grandson. I located one on " XXXX. '' I contacted the gentleman, " XXXX, '' who said he had one for sale. He stated he was located in New Jersey and the price was {$110.00} dollars. This sounded like a great deal and asked how I should pay for it. He stated " Cash App '' would be best for him. I did not have any money on my Cash App so I needed to go to the bank and get it and place it on my card, which I did. I then forwarded it to XXXX, '' and he stated, Thank you, he just received it, and was going to the post office right then to ship it out. He said he would contact me as soon as he had shipped it out. I heard nothing from him again. I went to the XXXX XXXX site and was unable to locate the transaction. It had been removed. I was unable to reach this man or woman, which ever the case may be. It seemed I had been scammed. Shortly thereafter, I can not remember the date, I contacted Cash app to see what they could do for me. They informed me that there wasn't anything they could do since I had sent him the money. I do not remember the date of this call nor do I remember the exact words they used verbatim, however this is what it boiled down to. NOTHING they could do for me. About a month ago, I went to cash app and my account reflected that transaction as processed and paid. This morning, I looked it up again and everything regarding that transaction had changed. It now says transaction " failed '' for both charges, one for {$110.00} andone for {$25.00}. The {$25.00} supposedly for a service fee for something I had no knowledge of. I pulled up my XX/XX/year> statement and it was not even mentioned on it. I have taken pictures of the paperwork available to me and am enclosing it. I wish I could provide you a XXXX XXXX proof of transaction, however it is not longer posted to my account. When I pulled up my XX/XX/year> XXXX, the transaction are not even listed on it any longer. No trace of it except in another area, it stated that I " cancelled the transactions which I did not.They did that. Should you have further questions please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
I would appreciate it if you could swiftly remove the fraudulent entries from my credit report this time since I already file a complaint way back due to this situation, as well as take the necessary steps to correct any inaccuracies or fraudulent activities. I have attached documents from the relevant authorities to support my claims.

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 2025-02-06 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 would appreciate it if you could swiftly remove the fraudulent entries from my credit report this time since I already file a complaint way back due to this situation, as well as take the necessary steps to correct any inaccuracies or fraudulent activities. I have attached documents from the relevant authorities to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: FL

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 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau, the required document and a letter from the advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from TransUnion. 

Please delete and remove the following accounts : 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 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-06 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: MO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : Account Name : 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 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 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 XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-06 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: PA

Complaint narrative:
This is in direct attention to the Fraudulent account that I have attached to this complaint thats being reported on my credit report it doesnt belong to me. And I would appreciate it you remove it immediately. As well as those inaccurate addresses. I do not live there nor do I receive mail there. Thank you.

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 2025-02-06 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: TX

Complaint narrative:
Experian 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 Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishing accepting unreliable responses, and failing to adequately notify failures align with my experience, where Experian 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 Experians inaction violates federal law and my rights as a customer

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 2025-02-06 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: GA

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

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 2025-02-06 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 lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am a victim of identity theft, and TransUnion has : -Unlawfully reinserted fraudulent accounts that were previously removed without providing the required consumer notification. 
-Failed to remove newly reported fraudulent accounts, despite receiving all required documentation. 
My personal information has been compromised due to multiple data breaches dating back to XXXX. I reported identity theft to TransUnion originally back in XXXX of XXXX. I have contacted them approximately 15 times via phone and mail and provided : -FTC Identity Theft Report -Police Report - Written Fraud Statement -Over 5 hours of phone calls with TransUnion 's fraud department. 
Some fraudulent accounts were deleted, then reinserted without notice, violating FCRA 611 ( a ) ( 5 ) ( B ). TransUnion ignored new fraudulent accounts on my report, violating FCRA 605B, which requires these accounts to be blocked immediately. I have also received threatening scam calls from an individual claiming to have access to my personal data, proving this fraud is ongoing.

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 2025-02-06 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: FL

Complaint narrative:
I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the Equifax, Experian, and Transunion breach.

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 2025-02-06 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/year>, I meant to send money to someone, I missed a letter in their name. I reached out to cancel the payment as it was not accepted, was unable to cancel the payment. I then reached out to customer service and was told they are unable to cancel the payment.

Company response to consumer: Closed with explanation