vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On I was using citibank bill pay to pay my property taxes. I initiated a check for {$430.00} dollars XXXX times because there was a glitch/lag issue with the bill pay application. There was no indication i had created XXXX identical checks. I had no idea i created these XXXX checks until after they were all sent and posted in my checking account. I immediately called Citibank custoner service on XX/XX/year>, to try to get them to put stop payments on XXXX of the XXXX checks but the customer service people said i had to wait 10 days before they could put a stop payment on these checks. I continued calling and talking to different customer setvice representatives trying to get them to put a stop paymrnt now not wait but was fruitless. Finally i called spcifically the stop payment department and they were supposedly putting stop paymrnts on XXXX of the XXXX checks and i was suppose to see the money back in my account by wednesday the XXXX of XXXX, XXXX. Today is XXXX XXXX, XXXX  and the checks still didnt indicate the stop payment was done and my money was back in my account. So i called again today and the custoner service rep was able to show XXXX of the XXXX pending credited but said he had to reinitiate the other XXXX checks and i would see them back in my account by the XXXX of XXXX. Which basically goes back to their inability to address this duplicate check issue in a timely manner and locking my money in limbo for at the very least for 10 days. There is no conceivable excuse they can not put stop payments on these checks, they are bank generated paper checks not electronic checks. I contacted the payee, my county property tax assessor and told them the problem and so they are aware of the XXXX duplicate transactions. They indicated they would just send me back the duplicate checks. 
Never the less this policy is completely ridiculous that they can not address an error in their web application that created this issue to begin with. I was able to find a link under their transfer/bill pay section to show what bill pay transactions are created and pending after the fact. Its not obvious or easy to find or does it even indicate you have pending bill pay checks/transactions in the checking account interterface. This should not be how a bank treats its customers.

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 2025-01-23 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 recently reviewed and noticed I had a fraudulent account on my credit report namely XXXX XXXX # XXXX opened on XX/XX/XXXX, XXXX filed my first dispute with the CFPB case # XXXX the item was deleted on XX/XX/XXXX XXXX. I reviewed my credit report again and noticed it reappeared again!!! I filed my second dispute with the CFPB on XX/XX/XXXX XXXX case # XXXX the item came back as verified!!! TRANSUNION failed to investigate my dispute .TRANSUINON reinstated previously deleted errors bank on my credit report. TRANSUNION failed to block IDENTITY THEFT information .TRANSUNION shared inaccurate about me to lenders.

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 2025-01-23 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Complaint Unauthorized Use of Personal Information Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding the fraudulent use of my personal information, including my Social Security number, date of birth, and name. These details were used without my consent to apply for multiple apartment leases, resulting in negative consequences for me. 

I have contacted each of the properties involved and emailed their property managers directly to address this issue. Unfortunately, none of them have responded to my inquiries, leaving me unable to resolve this matter. Furthermore, I have reached out to the debt collection companies associated with these accounts multiple weeks ago, but I have yet to receive any acknowledgment or resolution. 

This situation has severely impacted my ability to secure a place to live, as these fraudulent accounts are preventing me from moving into my new home. Despite my diligent efforts to resolve the issue by contacting the involved parties, I have not received the necessary support or responses. 

I am requesting the CFPBs assistance in investigating this matter and advocating on my behalf to ensure these fraudulent accounts are removed from my record. I have attached copies of any relevant correspondence, including my emails to property managers and debt collectors, for your review.

Please let me know if additional documentation or information is required. I appreciate your time and support in helping me resolve this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Multiple misspelled names extremely old addresses.

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 2025-01-23 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Multiple misspelled names extremely old addresses.

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
The matter with SoFi Bank and how it chose to handle the outright fraudulent charges, string of stock orders I did not place, and what policies did I violate that prompted SoFi to indefinitely suspend my account, restrict my access and management, and what did I do to cause the SoFi XXXX department to deem me unworthy of having an account, which I have had since XXXX 2023. Meanwhile, it's declining payment of my cell phone bill and it's failure to acknowledge that my payment occurred on XXXX XXXX, the day it alerted me of the suspension lift, but on XXXX XXXX, when I received my new debit card, I was told SoFi was shutting down my account and mailing me a check. No check has arrived, and I see balances in my SoFi account. ALSO, the XXXX fraudulent XXXX charges have not been refunded and appear won't be based on its determination there was no fraud. Then if that's the case, someone tell me who I treated to an expensive XXXX XXXX  dinner, and provide me their contact information so I can confront them. SoFi Bank 's business practice have not only been ludicrous and nonsensical, but it has been mean and abusive. I have never been so compromised in my life, and I have been left with no options, no money and have XXXX prescriptions that I must pick up. This is causing me physiological harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed

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 2025-01-23 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: NJ

Complaint narrative:
There is a inaccurate address popping up on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
Experian has failed to fulfil 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 resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provide evidence to furnishing, accepting, unreliable responses, and failing to adequately notify consumers of dispute outcomes. These 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 consumer.

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 2025-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
I have never received any communication from this debt collector prior to them reporting to my XXXX credit report on XX/XX/year> a collection of {$3000.00}. I did dispute online. Additionally, per : A collection agency is not allowed to report medical debt to your credit bureaus under a new rule finalized by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, this medical debt is NOT allowed to be reported to ANY of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: OH

Complaint narrative:
Yes my name is XXXX XXXX I filed a suite with the cash app law suite I was victimized by fraud and theft in XXXX  for a couple years and I filled out the complaint forms and documentation on the cash app law suite but I haven't heard anything back yet I had to hire XXXX XXXX XXXX to try to fix my credit and another site could you let me know something please. I'm still trying to recover from it with my credit and besiness and everything my number is XXXX, and my E-mail is XXXX thank you have a blessed day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
I have a twin sister and all of her information is on my credit report and it is hurting my score. Ive been calling and sent in letters since XXXX  to have this information deleted but nothing has been done and my credit is still affected by 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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company block and remove the account from my consumer report no later than XXXX business days after such information Ive provided. Account ( XXXX XXXX XXXXXXXX, {$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 2025-01-23 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: GA

Complaint narrative:
I am submitting a formal complaint against XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite my dispute regarding inaccurate child support reporting on my credit report ( Case # XXXX ), XXXX has refused to remove or correct this account, even though it has failed to verify the information as required by law. 

During my conversation with XXXX XXXX XXXX, XXXX admitted that : No documentation was received from the creditor to validate the disputed account. 
No human verified the accuracy of the information. 
The account was marked as " validated '' without any supporting evidence. 
These actions are in direct violation of 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct a reasonable reinvestigation and verify disputed information within XXXX  days. The lack of proper validation constitutes furnishing inaccurate information, which is prohibited under 15 U.S.C. 1681e ( b ).

Additionally, this inaccurate reporting is causing significant harm to my financial situation by impacting my ability to obtain credit and improve my financial standing. As such, I demand immediate removal of the disputed account from my credit file within XXXX  days, as required under consumer protection laws when information can not be validated. 

If XXXX fails to act, I will pursue damages as permitted under 15 U.S.C. 1681n for willful noncompliance with the FCRA.

Please investigate this matter and hold XXXX accountable for failing to meet its legal obligations. I have attached all supporting documentation, including my dispute details and the summary of my call with XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/1981 Last XXXX of 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 2025-01-23 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: NC

Complaint narrative:
I want the reported accounts removed from my credit report. 

- Account : XXXX XXXX / Amount : {$XXXX} - Account : XXXX XXXX / Amount : {$XXXX} - Account : XXXX XXXX / Amount : {$XXXX} - Account : XXXX XXXX  / Amount : {$XXXX} - Account : MoneyLion / Amount : {$XXXX} - Account : XXXX  XXXX /Amount : {$XXXX} - Account : XXXX  / Amount : XXXX - Account : XXXX bank / Amount : {$XXXX} - Account : XXXX XXXX XXXX Amount : {$XXXX} - Account : XXXX XXXX  XXXX Amount : {$XXXX} - Account : XXXX bank XXXX XXXX Amount : {$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