vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$9300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-14 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: AZ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-14 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: AZ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/year>, a transfer of USD XXXX was initiated to my Wise account. Despite providing all necessary documentation, including the transfer receipt upon Wises request, the funds have not been credited to my account.

I have repeatedly contacted Wise through email and customer service, requesting an update on the status of my transfer. However, Wise has failed to provide any clear explanation for the delay or a resolution timeline. My emails remain unanswered, and my requests for a phone call have been ignored. 

Wises failure to process my transfer in a timely manner, combined with their lack of communication, demonstrates gross negligence and raises serious concerns about their handling of customer funds. I expect Wise to be held accountable for this delay, and I request the CFPB to intervene to ensure that my funds are credited immediately. 

I am attaching relevant documentation, including my unanswered emails and the transfer receipt, as evidence of Wises failure to address this matter properly.

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( 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 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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian offered a trial period membership in which you can obtain a credit report from all three agencies. When I attempted to cancel this trial membership by logging in on Experian 's website, they did not give me access to my account settings, and required me to update my payment information before gaining access to a " benefit '' called " subscription cancellation ''. 

This is a predatory business practice. Offering a free trial and the blocking the user from cancelling the trial until they provide payment is despicable, and not something I have encountered with any other company. It seems Experian is aggressively abusing their position as a " big XXXX '' credit bureau in order to extract money from those they monitor. 

Also - For folks at the CFPB. I am joining others in protesting what elon musk is doing to your organization. I am a former residential loan XXXX and I know the work you folks do is paramount to protecting citizens from fraud and abuse. We will not go silently while XXXX XXXX trashes your hard work. We are fighting 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 monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

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 explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding TransUnion Privacy Violations and Inaccurate Reporting Dear CFPB Representative, I am writing to formally file a complaint against TransUnion for violations of my privacy and for inaccurate reporting on my credit file. 

I have reason to believe that TransUnion has shared my personal financial information with third parties, including XXXX and XXXX : Credit, without my written consent. As per the Fair Credit Reporting Act ( FCRA ), it is unlawful for a credit reporting agency to disclose a consumer 's personal information without explicit permission. I did not authorize such sharing, and this breach of my privacy rights is concerning. 

Additionally, I have noticed inaccuracies in my credit report that have adversely affected my credit score. Specifically, my rental account is open. Here are screenshots showing my rent 's current, and Transunion deleting this account shortening my credit history. 

I have attempted to resolve these issues directly with TransUnion by [ mention any actions youve taken, such as disputing the information or contacting customer service ]. However, my concerns have not been adequately addressed, and the inaccuracies remain. 

I request that the CFPB investigate these violations and take appropriate action against TransUnion for their practices. I would appreciate any guidance you can provide on how to further protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2025-02-14 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-14 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: PA

Complaint narrative:
These negative Items does not meet the FCA reporting requirements. I do not recognize how and why this is reported. I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer Reports. Delete Immediately! Pursuant to Consumer Law 15u.s.c1681B ( a ) ( 2 ), Reports must be in accordance with Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: CT

Complaint narrative:
Subject : Revocation of Consent & Opt-Out Request Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Section 602 ( a ), consumer reporting agencies are required to handle consumer information with fairness, impartiality, and respect for privacy. Equifax, Experian, are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not shared without my consent. Due to this I now have an extraordinary amounts of misinformation, that has damaged my personal life.

Additionally, under 15 U.S.C. 6801, financial institutions are obligated to respect consumer privacy and protect the confidentiality of nonpublic personal information. As a furnisher of information to credit agencies, XXXX XXXX qualifies as a financial institution under this law. 

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer report may only be furnished with the written instructions of the consumer. I have not provided, nor do I provide, any written consent for Equifax, Experian, or XXXX to report or share my information. Any previous consent, whether verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, under 15 U.S.C. 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been given the opportunity to opt out. I was never informed of my right to opt out, which is a violation of this provision. 

Moreover, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that is more than XXXX years old, except for criminal convictions. The account being reported constitutes adverse information and is being reported without my permission, in violation of this statute. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must not provide consumer information to reporting agencies if they know or have reasonable cause to believe it is inaccurate. Equifax and Experian are also failing to maintain reasonable procedures to prevent violations of FCRA, as required by 15 U.S.C. 1681e. 

Finally, according to 12 CFR 1016.7, I have the right to opt out at any time. I am formally exercising this right and opting out of all your reporting services. 

I expect immediate compliance with this request. and writing content within 30 days of this submission. 

Sincerely

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 2025-02-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX CCB/XXXX  - XXXX XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-14 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:
I am filing this complaint regarding improper investigation into my credit report, which continues to negatively impact my credit. You have failed to remove and have reinserted errors on my credit profile. As per the FCRA 611 ( 15 U.S.C., 1681i, you have failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act.

Given the CFPBs findings and your previous handling of my dispute, you have not fulfilled your statutory obligations. Let this letter serve as formal notice that I expect the following actions to be taken immediately : 1. Delete or correct any unverified, inaccurate, or incomplete information 2. Provide me with detailed explanation of the investigation process and furnish supporting evidence to verify the information in question.

3. Send me an updated copy of my credit report reflecting any changes.

Under FCRA 611 ( A ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file.

Failure to comply with the FCRA will leave with no choice but to escalate this matter further by filing a complaint to CFPB, the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

I trust that you will take immediate action, corrective action and provide a response within the 30 days required by 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 explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding improper investigation into my credit report, which continues to negatively impact my credit. You have failed to remove and have reinserted errors on my credit profile. As per the FCRA 611 ( 15 U.S.C., 1681i, you have failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act.

Given the CFPBs findings and your previous handling of my dispute, you have not fulfilled your statutory obligations. Let this letter serve as formal notice that I expect the following actions to be taken immediately : 1. Delete or correct any unverified, inaccurate, or incomplete information 2. Provide me with detailed explanation of the investigation process and furnish supporting evidence to verify the information in question.

3. Send me an updated copy of my credit report reflecting any changes.

Under FCRA 611 ( A ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file.

Failure to comply with the FCRA will leave with no choice but to escalate this matter further by filing a complaint to CFPB, the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

I trust that you will take immediate action, corrective action and provide a response within the 30 days required by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief