vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-24 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-24 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-24 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XX/XX/year> Experian had a data breach and since then someone has gotten phones in my name and other things.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach involving XXXX. Pursuant to my rights under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report. 
As evidence of this claim, I am providing proof of my involvement in the XXXX data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to substantiate my claim. 
Under the FCRA, XXXX XXXX. XXXX, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within XXXX business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX ACOUNT # XXXX XXXX. XXXX XXXX XXXXXXXX ACOUNT # XXXX XXXX. XXXX XXXX XXXXXXXX ACOUNT # XXXX XXXX. XXXX XXXX XXXXXXXX ACOUNT # XXXX XXXX. XXXX XXXX ACOUNT XXXX XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

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 XXXX of the Fair Credit Reporting Act.

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 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mortgage Research Center, LLC
State: OH

Complaint narrative:
In XX/XX/year> I filed XXXX XXXX XXXX protection resulting from fraudulent XXXX filings. My XXXX filed false tax returns using my information that resulted in federal tax debt and state tax debt for the states of Maryland and Virginia. Once discovered I was advised by the XXXX to seek fraud protection and XXXX XXXX  attorney to file bankruptcy for protection from any subsequent filings. 

Up to that date I'd paid {$42000.00} to the bankruptcy court. When I began the process of relocation and purchasing a new home I found that there was roughly {$16000.00} left to be paid to the bankruptcy court to finalize my XXXX XXXXXXXX. I was advised by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay off the bankruptcy or have it dismissed in order to move forward with a purchase. Upon contacting the court for payoff instructions I was advised that paying off the bankruptcy would result in a 45-60 day processing time for dismissal, but if granted by the Judge a dismissal would be immediate based on payment history and amount paid to date. The Lender called Underwriting then directed me to move forward with the dismissal so we could close. My attorney filed and the Judge granted the dismissal. 

Once the dismissal was granted by the judge, XXXX XXXX then denied my loan stating that a dismissal was not the same as a discharge. Which is what was needed. They, XXXX XXXX, advised me to file the dismal which resulted in me NOT being able to purchase that home or any home for 2 years. XXXX XXXX XXXX  XXXX has a XXXX non-use penalty for a bankrupcy dismissal ) During this loan process I was also advised to pay off almost {$46000.00} in personal debt which included XXXX of XXXX XXXX XXXX  debts who was not an applicant on the loan. Those were unnecessary liquidations for loan approval. XXXX XXXX directed those payments to prepare the loan for sale to a third party as opposed to an approval and mortgage. This was misleading. When questioned XXXX closed my files and stated I was no longer a client.

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 2025-01-24 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: NJ

Complaint narrative:
FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification XXXX XXXX XXXX - FDCPA Section XXXX Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX XXXX. XXXX. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX XXXX. XXXX. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt Balance - XXXX XXXX XXXX XXXX XXXX XXXXection XXXX Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX XXXX. XXXX. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt XXXX - XXXX Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX XXXX. XXXX. They were to notify me of this in writing 5 days prior, I was not. 
As the original creditor, only I can validate this debt. I do not validate this debt. 
Incorrect Name - XXXX XXXX This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
# # # Legal Basis for Dispute and Unyielding Demands :

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 2025-01-24 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: AR

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 ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding ( File No. 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 2025-01-24 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: KY

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 ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) 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 are inaccurate. 
XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX {$180.00} XXXX XXXXXXXX XXXX Opened XX/XX/XXXX {$200.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$420.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$550.00} XXXX XXXX Opened XX/XX/XXXX {$610.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$710.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$820.00} XXXX XXXX XXXX Opened XX/XX/XXXX 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX opened XX/XX/year> is showing as closed and the account is open and in good standing, also the balance is incorrect on all reports and also not showing on XXXX. information on terms is missing from XXXX and transunion also payment amount is missing and comments are incorrect on experian and transunion comments are missing

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX opened XX/XX/year> is showing as closed and the account is open and in good standing, also the balance is incorrect on all reports and also not showing on equifax. information on terms is missing from equifax and XXXX also payment amount is missing and comments are incorrect on experian and transunion comments are missing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX opened XX/XX/2024 is showing as closed and the account is open and in good standing, also the balance is incorrect on all reports and also not showing on XXXX. information on terms is missing from XXXX and XXXX also payment amount is missing and comments are incorrect on experian and transunion comments are missing

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 2025-01-24 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: FL

Complaint narrative:
XXXX  XXXX XXXX XXXX was sold. I called them and was told this debt is no longer valid and that it should not be on my credit report as of XX/XX/year>. OVER 7 years later later and it is still on my report. THIS XXXX XXXX XXXX  XXXX  NO LONGER EXITS. I HAVE DEMANDED FOR THIS INACCURATE DEBT THAT I DO NOT OWE COMENITY GN SMILE needs to be removed immediately. This is fraudulent activity on Experian and XXXX. I am going to sue these credit bureaus if they continue to fail to do their job. Remove this from account. There is a zero balance charge off since 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 explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I am writing to TRANSUNION to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that TRANSUNION being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors.

3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.

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 2025-01-24 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/year>, I made a deposit of {$420.00} cash to a XXXX ATM at XXXX XXXX XXXXXXXX XXXX XXXX. It took my money and said technical difficulty and never recorded it in my account. This is causing me great hardship and stress. 

I filed a claim but have not received any communication from them and I'm told I have to wait ( one person told me 45 to 90 days ). I am incurring late fees for bills I can't pay and I am very distressed and need your help in getting my own money back.

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