vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 Regulations E. These acts 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 2025-02-16 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: NY

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. [ 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  ], has violated my rights. I looked at my TransUnion credit report XX/XX/year> and noticed some things are incomplete and not accurate and 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
XXXX XXXX  XXXX Balance {$2500.00} Opened XXXX. XXXX, XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX I HAVE CONTACTED TRANSUNION, EQUIFAX AND EXPERIAN ALONG WITH THE CREDITOR ABOUT THESE FRAUDULENT ACCOUNTS I HAVE FILLED OUT PAPERWORK SENT IN FTC REPORTS AND POLICE REPORT CALLED MANY OF TIMES ASKING FOR THEM TO STOP REPORTING THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THEY HAVE REMOVED THESE ITEMS THEN REPLACE THEM BACK ON MY CREDIT REPORT THEY TELL ME THEY HAVENT GOT A CFPB COMPLATE FROM SINCE XXXX WHICH IS A LIE... UNDER LAW 605 B DONT TURN MY DISPUTE IN NO 30DAY DISPUTE TURN IT IN TO A 4 DAY THESE ITEMS NEED TO BE BLOCKED AND REMOVED FROM 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 2025-02-17 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: GA

Complaint narrative:
XXXX XXXX  XXXX Balance {$2500.00} Opened XXXX. XXXX, XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX I HAVE CONTACTED TRANSUNION, EQUIFAX AND EXPERIAN ALONG WITH THE CREDITOR ABOUT THESE FRAUDULENT ACCOUNTS I HAVE FILLED OUT PAPERWORK SENT IN FTC REPORTS AND POLICE REPORT CALLED MANY OF TIMES ASKING FOR THEM TO STOP REPORTING THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THEY HAVE REMOVED THESE ITEMS THEN REPLACE THEM BACK ON MY CREDIT REPORT THEY TELL ME THEY HAVENT GOT A CFPB COMPLATE FROM SINCE XXXX WHICH IS A LIE... UNDER LAW 605 B DONT TURN MY DISPUTE IN NO 30DAY DISPUTE TURN IT IN TO A 4 DAY THESE ITEMS NEED TO BE BLOCKED AND REMOVED FROM CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
This account is not mine and the company did not have authorization to use my personal information to open this account XXXX XXXXXXXX XXXX ... ... XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
We took out a private education loan for our daughter while she was attending the XXXX XXXX XXXX in TX. This loan went into default after she transferred to a community college in XXXX TX. Our lender received notice that she was no longer a XXXX XXXX  on XXXX / XXXX XXXX. Then our younger son became very sick, and we could no longer make the monthly payments on our daughters loan. We tried to set up a new payment plan to get us back on track, but the servicer wont negotiate. We've been paying what we can, but we still haven't reduced any of the principal on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: FL

Complaint narrative:
Accurate Background Denied Me Employment, Refuses to Provide My Background Check Report I am filing a formal complaint against Accurate Background for failing to provide me with a copy of my background check report, as required under the Fair Credit Reporting Act ( FCRA ), and for reporting inaccurate information that led to my denial of work with XXXX XXXX. 

I applied to work for XXXX XXXX and was denied based on a background check conducted by Accurate Background. However, I was never provided a copy of the background check report, despite my multiple requests. Under the FCRA ( 15 U.S. Code 1681b ( b ) ( 3 ) ), I have the right to receive a copy of my report before any adverse action is taken against me. Accurate Backgrounds failure to provide my report violates my rights.

Additionally, I have strong reason to believe that the report contains inaccurate or outdated information, leading to my unfai
r denial of work. Without access to my report, I am unable to dispute these potential errors, which is also a violation of my rights under the FCRA ( 15 U.S. Code 1681i ).

I am requesting the CFPB to take immediate action and : 1. Require Accurate Background to provide me with a full copy of my background check report immediately.

2. Investigate whether Accurate Background is failing to provide applicants with their reports before taking adverse action. 
XXXX. Ensure that Accurate Background complies with the FCRA by allowing me to dispute any inaccurate or outdated information in my report. 
XXXX. Mandate that Accurate Background notify XXXX XXXX and any other affected employers of any necessary corrections to my record. 

Accurate Backgrounds failure to provide my report and their likely reporting of false information has unfairly prevented me from earning a living. I ask the CFPB to intervene and enforce my rights under federal law. 

Personal Information : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last XXXX Digits ) : XXXX Contact Information : XXXX ( XXXX ) XXXX I appreciate the CFPBs prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: KEYCORP
State: OH

Complaint narrative:
placed an order for XXXX XXXX XXXX XXXX XXXX XXXX XXXX recived a generaic phone from the company i purchased from and phone was also broken I contacted the merchant and was told to return the iteam which i did and never recived a refund for it. i filed a dispuite with key bank they never investaeted it just said their was nothing they could do by law. since when is what i want to know this is the banks job. I also orderd a sansung XXXX XXXX XXXX XXXX XXXX XXXX  that was delivered to me broken i returned the phone and was orovided shipping label and never hrard or got a response back from anyone. so i dispuited that charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here are the inquiries : XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: GA

Complaint narrative:
i have old addresses that still appear on my credit reports

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX RE : Notice to Correct Credit Report Dear Equifax Consumer Services Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Inaccurate Accounts XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
I recently reviewed a copy of my credit report and I notice I had fraudulets accouts in my report.Please remove these accourts fron my report they are hurting my abiltity to obtaing credit. 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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
Coinbase has a weekly drop giveaway. Their entry methods extremely misleading. They also do not appear to be entering me into their coin drop, despite my meeting their qualifications. I've opted in on XXXX different occasions and traded currency each time, but I have never received any indication that I've been entered in. 

I should have been entered into the sweepstakes on XXXX different occasions, but it does not appear that I have, which is illegal. I get " opted '' in each time. Furthermore, once I opt in, I get a second email that says, " Youre opted in! Trade any amount of crypto for a chance to win up to XXXX XXXX. 

Earn 1 more entry for each trade you make through XXXX XXXX to a maximum of XXXX total entries. 

You'll get another email about 24 hours after meeting the entry requirement, letting you know you've successfully entered. '' I never receive that other email, despite making a purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$5300.00} Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX XXXX BALANCE {$1600.00} Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$3400.00} Account XXXX : XXXX XXXX XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$4100.00} Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$220.00}

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 2025-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, I was getting a mortgage loan approved to purchase a condo. There was one unknown debt associated with " Portfolio Recovery '' and at that time, I called and emailed the company and I was unaware of any outstanding debt as I had paid off and not had any credit cards since XXXX. The mortgage company informed me that it was settled and I got the loan. In the past 2 years, I received 5-7 calls per/week from different numbers with Portfolio Recovery. I have blocked them every time and then a new number comes up. Sometimes these calls are very early in the XXXX  or later in the XXXX. I would like this harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: OK

Complaint narrative:
Subject : Dispute of Unauthorized Accounts on My Credit Report To Whom It May Concern/ Experian, I am writing to formally dispute multiple accounts listed on my credit report that do not belong to me. I have been a victim of several data breaches, and as a result, fraudulent accounts have been opened in my name. I am requesting that these accounts be removed from my credit report immediately. 
The names are incorrect, addresses, phone numbers, inquiries, delinquencies, open accounts, closed accounts, accounts that are falsley reporting information I insist that these unauthorized accounts be removed within four ( 4 ) business days as they are not mine. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must investigate disputed items and remove any unverifiable or inaccurate information. 
Please find attached copies of my identification and any supporting documentation to assist with your investigation. I request that you send me a written confirmation once these accounts have been deleted from my credit report. 
If these accounts are not removed in a timely manner I have already contacted CFPB and escalated this matter and will seek legal action if necessary. 
I appreciate your prompt attention to this serious matter. Please confirm receipt of this letter and provide an update on the status of my dispute as soon as possible. Since I can not trust any of your companies with protecting my personal and private information then I will be taking legal action. I have record of when I contacted Experian over the past several years and you all will not remove inaccuracies, Im not sure why but this is ruining my credit history and reputation you had that I filed bankruptcy also and I have a letter from the.

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