vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: CT

Complaint narrative:
I have made a complaint of my inaccuracy could be reporting on my late payments on my XXXX and Transunion account. I submitted a complaint into your but the dates I had on there was the wrong dates for the accuracy and I looked at my reports and I seen the different dates of the accuracy of the reporting of my credit report and Im resending you information on both of the credit reports that are an accurate dates of late payments and I would like to remove this off my account because discount never was late And the transaction XXXX XXXX and Im sending you a new copy of the dates that was in accurate 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 non-monetary relief
Consumer complaint received 2025-02-09 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: IL

Complaint narrative:
I recently discovered my credit profile and personal information was a part of XXXX and XXXX data breach. All my information has been exposed, and I would like for both credit bills to please remove all negative accounts and unauthorized inquiries from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 2025-02-09 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 attaching an FTC report containing 5 fraudulent accounts as well as 3 fraudulent inquiries listed here below to be be deleted by transunion. The TransUnion representative I spoke with today told me to submit this FTC report containing the following inquiries : 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 2025-02-09 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: NV

Complaint narrative:
I am a victim of a data breach and identity theft. Please block and delete these accounts within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. I have yet to receive any repose from the bureau. Thank you Kindly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: TX

Complaint narrative:
Please remove incorrect late payments reporting from XXXX with Prestige Financial account. Information is incorrect late payments are to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MA

Complaint narrative:
The Payment Status is inaccurately reporting as 60 days late with Experian and 90 days late with Equifax, while XXXX correctly reflects it as current. Please update the Payment Status to " Current '' or " Paid on Time '' to ensure accurate reporting. The two-year payment history also reflects " Current '' or " N/A, '' indicating a positive payment history. Kindly update the account information to reflect the Payment Status as " Current '' or " Paid on Time. ''

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 2025-02-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX  Reference XXXX XXXXXXXX Account Number XXXX To whom it may concern I am writing to formally dispute the validity of the debt referenced above, which you claim I owe. I request that your office provide me with full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Please supply the following information : XXXX. Verification of the amount owed, including a detailed account of the principal, interest, penalties, and any fees that have been added. 

XXXX. The original name and address of the creditor to whom the debt is owed. 

XXXX. Copies of any agreements that show I agreed to the debt in question ( e.g., a signed contract or credit agreement ). 

XXXX. A complete transaction history or statement to substantiate the legitimacy and amount of the debt. 

Furthermore, if this debt has been cancelled or forgiven, in whole or in part, such that you are required to issue a 1099-C form per IRS regulations , I request that you provide a copy of the form. Cancellation of debt should not be reflected as an amount owed if it has in actual terms been forgiven and reported to the IRS.

Please consider this letter a written dispute as permitted by the FDCPA. Upon receipt of this letter, please cease collection activities until the debt has been validated, as required by law.

I appreciate your prompt attention to this matter and look forward to receiving the documents requested. Please reply in writing at the address provided. 

Thank you for your cooperation. 

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 2025-02-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX  Reference XXXX XXXXXXXX Account Number XXXX To whom it may concern I am writing to formally dispute the validity of the debt referenced above, which you claim I owe. I request that your office provide me with full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Please supply the following information : XXXX. Verification of the amount owed, including a detailed account of the principal, interest, penalties, and any fees that have been added. 

XXXX. The original name and address of the creditor to whom the debt is owed. 

XXXX. Copies of any agreements that show I agreed to the debt in question ( e.g., a signed contract or credit agreement ). 

XXXX. A complete transaction history or statement to substantiate the legitimacy and amount of the debt. 

Furthermore, if this debt has been cancelled or forgiven, in whole or in part, such that you are required to issue a 1099-C form per IRS regulations , I request that you provide a copy of the form. Cancellation of debt should not be reflected as an amount owed if it has in actual terms been forgiven and reported to the IRS.

Please consider this letter a written dispute as permitted by the FDCPA. Upon receipt of this letter, please cease collection activities until the debt has been validated, as required by law.

I appreciate your prompt attention to this matter and look forward to receiving the documents requested. Please reply in writing at the address provided. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CT

Complaint narrative:
I received the copy for my required report notice in my account reporting accurate. I had One late payment XX/XX/XXXX Plus a payment schedule late on XXXX of 120 days and 180days I attached a screenshot of the days that they said that was late and accurate on. I would like to submit. Investigate this and please check it out. Remove this off my credit report. Can you please report this as a accurate account on my credit report I would like it pleased to be moved off I would like for you to and show proof that this payment can be verified on my account

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 2025-02-09 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:
Ever since I reported this company as putting the fraudulent activity back on my account, Ive been locked out of my account. I havent been able to access the Experian as of the very next day of the major reporting issue. Ive bought a XXXX and Im worried about someone going on the Experian account that Im locked out of someone probably has access to and disputing a charge that I Made my phone number did update one time to sent a verification code and then it never did again. Ive sent out a couple emails and documents saying I couldnt get into my Lock account. I never got a response. Experience has caused so much fraudulent activity, and scammers that when I go to buy a car, a bank will approve of it. The dealership doesnt. Experion has caused me to cause numerous companies going in circles, repeating myself trying to get problem solved and they put these things back on my credit report after they took them off. When I say fraudulent and scammers have infiltrated the companies, Im getting deposits in to my bank account for identity protection, and all kind of settlements and they get returned right back. Theres no telling how much money has been deposited into my account has sent back or someone else fraudulent has taken activity of it. I can go online and purchase a car and say come in and sign the paperwork but when I get there, they show me a different car they give me a different price. They dont pull out the car that Ive seen online they say, they can not sell your car without a cosigner or down payment Whenever Ive ran a credit check and been approved for it. When I try to call the message. Said call volumes are high try again later. if Im trying to make a major purchase, I get denied because my credit score isnt where it should be. and the scammers and fraudulent still has active control of my Experian account that created a checking account and numerous loans. that they could easily dispute a purchase that I made to my credit report. Life lives on credit. and I can not get this credit agency to do the right thing to purchase a car to purchase a house verify myself even after Ive been approved. Ive been let down. I dont know what experience has on my credit report now but the car lot once they see it they turn me down.

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 2025-02-09 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:
All three credit bureaus ( Experian, Equifax, and TransUnion ) have 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 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 experiences all three 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 the 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 2025-02-09 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: SC

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 the 15 USC 1681. Account information is as following- XXXX XXXX XXXX {$170.00} has violated my rights. I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 16881 ( e ) ( b ). According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 they are supposed to not furnish any information related 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 2025-02-09 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I noticed these accounts on XX/XX/XXXX : Account Name : XXXX  Account XXXX  Date Opened : XX/XX/XXXX Account Balance : {$1300.00} Account Name : XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$690.00} Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$640.00} Account Name : XXXX  XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$390.00} Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$210.00} Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX Account Balance : {$830.00} Account name : XXXX XXXX XXXX XXXX XXXX opened : XXXX XXXX Balance : {$120.00} Account name : XXXX XXXX Account Number : XXXX Date open : XXXX XXXX Balance : {$190.00} Account Name : XXXX XXXX  Date opened : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX  Date opened : XXXX XXXX Balance : {$0.00} Hard Inquiries Account Name : XXXX Bank Inquiry Date XXXX XX/XX/XXXX Account Name : XXXX  XXXX XXXX  Finance Inquiry Date : XXXX XXXX Account Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Account Name : XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Inquiry Date : 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 2025-02-09 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: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Re : Dispute of Credit Report Inaccuracy / Non-Compliance with Section 1681 of the Fair Credit Reporting Act Dear XXXX XXXX, I am writing to formally dispute an item on my credit report and to notify you of your potential non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681, regarding your responsibilities to ensure the accuracy of information in consumer credit reports. 
I have identified the following inaccuracies on my credit report : -Incorrect account status ; Account number # XXXX opened XX/XX/XXXX Under 15 U.S.C . 1681e ( b ) of the FCRA, you are required to ensure that all information in my credit report is accurate, up-to-date, and complete. It is my belief that the incorrect account status constitutes a violation of the aforementioned statute, as this information is either inaccurate, incomplete, or has not been corrected despite my prior attempts to resolve the matter. 
I request that you promptly investigate and correct the error in accordance with the provisions of the FCRA. If you fail to do so or do not resolve this matter in a timely and appropriate manner, you may be liable for civil penalties under Section 1681o, which outlines the civil liability for negligent non-compliance with the FCRA. 
Additionally, I request that you provide me with the results of your investigation and a copy of the corrected credit report reflecting the changes. Should you fail to comply with the investigation requirements within the time frame specified by the FCRA, I will not hesitate to seek legal recourse. 
Please consider this letter as a formal request for resolution under the FCRA. I expect your response within 30 days from the date of receipt of this letter. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

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. 


Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
I have asked the reporting agency to provide me with the methods of verification they used to validate the inaccurate reporting that is reflecting on my credit profile. My requests were sent on XX/XX/XXXX and again on XX/XX/XXXX. To date, I have not received any documentation supporting their claim of the validity of ownership of the accounts listed below. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : 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