vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with XXXX U.S.C. XXXX, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to XXXX U.S.C. XXXX, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX / XXXX Additional Legal Basis : Violation of Section XXXX of the FCRA Additionally, XXXX U.S.C. XXXX establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file. 

Requested Actions Immediate blocking and removal of the fraudulent account listed above. 
Written confirmation of the removal of the fraudulent information. 
Assurance that the deleted information will not be reinserted into my credit report in the future. 

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.

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 2025-01-31 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: NV

Complaint narrative:
Experian has failed to fulfill its legal obligations under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report leave an incorrect or unverifiable accounts unresolved the consumers financial protection bureau has recently filed a lawsuit against Experian, alleging, systematic issues, such as failing to forward consumer provided evidence to furniture, 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 Experian inaction, violates federal law in my right 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 2025-02-02 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: NY

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 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 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 non-monetary relief
Consumer complaint received 2025-02-02 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reached out to SERVICE FINANCE COMPANY LLC on XXXX XXXX and XXXX and XXXX XXXX by Certified mail ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Asking them to return my {$40.00} dollars for late payment charges as you can clearly see i was never late according to my XXXX consumer report. Their responds was everything came back verified which is a big lie!!!! its been 2 months i havnt heard anything from SERVICE FINANCE COMPANY LLC... ( Acc # XXXX ) I WANT MY {$40.00} DOLLARS BACK!!!!! WHO KNOW HOW MANY CUSTOMERS THEY BEEN SCAMMING LIKE THIS FOR YEARS!!! 1 My XXXX  consumer report clearly shows i was never late and 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 2025-01-31 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:
( CFPB ) has recently filed a lawsuit against cashapp, 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 cash app 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 cash app inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint regarding a creditors failure to update my credit report despite multiple requests. 

According to XXXX and a letter they sent me in XXXX, this creditor has not updated my credit report for over 120 days, from XX/XX/XXXX, to the first week of XX/XX/XXXX. I have made over XXXX requests to have my report updated. I have also disputed the balance and payment status of this credit card with XXXX, XXXX, and XXXX, but their response has consistently been that the creditor has not provided any updates. 

Furthermore, the creditor has informed me multiple times that they had updated my account. However, when I checked my report on XXXX, it shows that my account has been closed, which was never communicated to me by the creditor. This action has severely damaged my credit score, and I am unable to rectify it without the correct updates. 

Additionally, I have contacted the creditor multiple times, but they continue to provide false information. They have assured me on several occasions that they would update my records or submit an emergency report, yet no updates have been processed. 

This failure to update my account and the incorrect reporting of a closed account has negatively impacted my credit profile. I request an immediate investigation into this matter and appropriate action to ensure my report reflects accurate and up-to-date information. 

Thank you for your time and assistance. I look forward to your prompt response

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a position from XXXX XXXX on XX/XX/XXXX, but this turned out to be a scam position. I was hired on XX/XX/XXXX and tasked to deposit a {$2200.00} check into my account. I deposited the check and was then tasked to wire this amount to this scam company. After wiring this amount, the check was then deemed fraudulent, taking away the {$2200.00}. Throughout this process, I was suspicious of a scam, but since this was advertised through my university, I believed it was fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
I noticed some serious mistakes on my credit report related to specific accounts that arent being reported accurately. This is directly affecting my credit score and causing unnecessary financial strain.

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 2025-01-31 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: MD

Complaint narrative:
XXXX U.S.C. XXXX is a provision of the Fair Credit Reporting Act ( FCRA ) that establishes civil liability for negligent noncompliance with the Acts requirements. It states that any person who negligently fails to comply with the FCRA regarding a consumer is liable for : 1. Actual Damages The affected consumer can recover actual damages sustained as a result of the failure.

2. Attorneys Fees and Costs The consumer can also recover the costs of bringing the action, including reasonable attorneys fees. 

This section differs from XXXX U.S.C. XXXX, which covers willful noncompliance and allows for punitive damages. Under XXXX, the key factor is negligence rather than willfulness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

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 XXXX USC XXXX. 

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

XXXX XXXX XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( 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. 

XXXX U.S.C. XXXX ( 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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I sent {$100.00} thru Cash App to the wrong person XXXX ever speak to anyone bout this XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been a victim of fraud on XX/XX/XXXX, there has been a discover credit card opened with my name and SSN for {$1500.00} and I was never aware of it until XXXX of XXXX and I contacted discover several times to dispute this credit card that I have no affiliation with but they still report as I'm responsible for it please contact discover bank and dispute this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OH

Complaint narrative:
Cash app closed my account in XXXX of 2023 for no reason at all an won't let me reopen my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: KY

Complaint narrative:
Cash app does not have any way to fix issues with accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
I disputed an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> it is reporting on my credit report yet equifax responded saying that they can not locate my credit file or that they do not have record of account on report.i am attaching a recent copy of my credit report from equifax which clearly had this account on my report. Reporting negatively

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 2025-01-31 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax was suppose to close old accounts because they leaked out my information and had a lawsuit against them and they should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. I have file multiple disputes, spanning 4 years with no resolution. 

My personal information was compromised during a contested divorce proceeding from XXXX to XXXX, during which time my then-spouse had access to sensitive documents containing my personal information. 

My credit report has been negatively impacted by a mortgage default on the property located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Per our divorce decree dated XX/XX/XXXX, my ex-spouse, XXXX XXXX, assumed full responsibility for the mortgage payments to Arvest Bank, account number XXXX. Despite this legal obligation, my ex-spouse defaulted and had many late payments, resulting in negative entries on my credit report beginning XX/XX/XXXX. 

I suspect my ex-spouse, may be responsible for this identity theft and the mortgage default. The timing of the fraudulent activity and the mortgage default, coinciding with our contentious divorce proceedings, leads me to this belief. In contrast, all accounts for which I am solely responsible, on my credit report including credit cards and mortgages both before and after my divorce, have consistently maintained a positive standing with timely payments. This underscores that I am not responsible for the adverse accounts in question. My ex-spouse has also gone through separate litigation for his own adverse credit accounts in XXXX and has also committed tax fraud against me XX/XX/XXXX. I am currently negotiating with the IRS to rectify the tax fraud committed against me. This furthers my claim of this fraudulent activity towards me from my ex-spouse. 

Pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : XXXX. Proof of my identity. 
XXXX. A copy of my identity theft report. 
XXXX. Identification of the fraudulent information. 
XXXX. This statement that the information is not related to any transactions I have made. 
Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within XXXX business days upon receipt of this letter. I also request a full investigation into this matter. 
I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following inaccurate and/or unverifiable information on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, Experian may be held civilly liable for negligence if it fails to properly investigate or correct errors in my credit file. 

Disputed Item ( XXXX ) : XXXX XXXX XXXX Account XXXX Date Reported : XX/XX/XXXXXXXX XXXX XXXX  Account number XXXX Date reported : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number : XXXX Date reported : XXXX XXXX, XXXX This account is inaccurate and unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified within the prescribed timeframe, it must be deleted immediately. I demand that Experian delete this account within four ( 4 ) days and provide written confirmation.

Failure to comply with the FCRAs requirements may result in legal action for damages under 15 U.S.C. 1681o, including attorneys fees and other relief.

Please investigate this matter promptly and send me an updated copy of my credit report reflecting the deletion. You may respond to me in writing at the address listed above.

Company response to consumer: Closed with non-monetary relief