vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
When you submit a complaint through the CFPB, you can choose to publish your description of what happened in the Consumer Complaint Database on our website, consumerfinance.gov. Reading your first-hand account will help researchers, consumers, and others better understand the financial marketplace. 

Before publishing your description we will conduct a series of automated and manual reviews to remove personal information. The following example highlights the kind of information that we plan to remove : We took out a private education loan for our daughter XXXX while she was attending the XXXX University in XXXX, MA. This loan went into default after she transferred to a community college in XXXX, MA. Our lender received notice that she was no longer a full-time student in XXXX XXXX XXXX XXXXXXXX. Then our younger son XXXX 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. 

We will monitor this scrubbing process so that all personal information is removed in accordance with our Scrubbing Standards, but a risk remains that something will be missed and publicly released. Despite the scrubbing process, someone may be able to identify you. The scrubbing process takes some time and your description won't appear on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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 am writing to dispute this item on my credit report that has infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). The following account listed on my credit report has violated my rights : Convergent Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy. 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 : A consumer reporting agency can not furnish an 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 2025-02-04 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-02-04 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion 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 the following fraudulent accounts and inquiries identified through my investigations and verified through FTC Identity Theft Complaint # XXXX : Credit Card Account : Opened at XXXX XXXX  ( Wells Fargo Bank ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$3300.00}. 

These fraudulent activities have also resulted in several hard inquiries on my credit report, which I did not authorize. Below is a list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts and related hard inquiries have caused harm by negatively affecting my credit score and overall financial health. Attached to this complaint are : A list of hard inquiries related to these accounts A copy of my consumer credit report highlighting the fraudulent items FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud I do not recognize any of the aforementioned accounts or hard inquiries. The accounts and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. All of the items mentioned in this complaint 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 2025-02-04 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: PA

Complaint narrative:
As outlined in FCRA Section 605B ( a ), credit reporting agencies must expeditiously remove any information labeled by the consumer as originating from an alleged case of erroneous activity, no later than four business days from the receipt of this notification. 
XXXX XXXX Balance : {$4200.00} XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
I sent Transunion a dispute letter because I noticed several inaccurate and incomplete information showing on my consumer reports. Transunion did not respond within the 30-day that is allowed. 15 USC 1681i clearly states that before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The CFPB is currently suing XXXX for not properly investigating disputes and failing to remove or reinsert errors on reports, threatening consumers access to credit, employment, and housing. And according to the FCRA everything on the credit reports is supposed to be 100 % accurate. I attached a FTC report including evidence of Transunion receiving my dispute letter and totally disregarding my dispute until I filed a CFPB report. I will also attach a complaint supporting the fact that XXXX are currently being sued by the CFPB for not properly reinvestigating disputes and fails to remove or reinserts errors on reports, which is the same thing you are correctly doing to me. Also Transunion just lets any creditor that doesn't have permissible purpose furnish any negative account. 
CFPB sues XXXX for Sham Investigations of Credit Reports Errors.

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 2025-02-04 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: MN

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My repeated efforts to resolve the presence of fraudulent and inaccurate information on my consumer report have gone unaddressed, leading to profound personal consequences. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, and their continued presence has generated significant stress and XXXX while negatively impacting my financial wellbeing.

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 2025-02-04 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Charge-Off Accounts on Credit Report Dear XXXX, I am writing to dispute multiple accounts listed on my credit report as " Charge Off. '' The disputed accounts are : Account 1 : XXXX, XXXX, XX/XX/XXXX Account 2 : XXXX, XXXX, XX/XX/XXXX Account 3 : Capital One, XXXX, XX/XX/XXXX Account 4 : Capital One, XXXX, XX/XX/XXXX Account 5 : Capital One, XXXX, XX/XX/XXXX The basis for this dispute is that a Charge Off is considered " income '' for the creditor, and " income '' is not allowed to be listed on a credit report. This is in violation of the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code. 

According to the Internal Revenue Code, 26 U.S.C. 451, a Charge Off is considered taxable income to the creditor. As such, it is not a debt that can be reported on a consumer 's credit report. 

The FCRA, 15 U.S.C. 1681c, prohibits the reporting of income or debts that are not owed by the consumer. Since a Charge Off is considered income to the creditor, it does not meet the criteria for reporting on a credit report.

Furthermore, the Consumer Financial Protection Bureau 's ( CFPB ) guidance on credit reporting emphasizes the importance of accurate and complete information. Reporting a Charge Off as a debt is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
Dear Consumer Finance Team, I hope this email finds you well. I am writing to seek your assistance regarding an issue I am facing with my Venmo account. Recently, I discovered that my Venmo account has been permanently deactivated, and I am unable to access the balance of over {$4500.00} that remains in the account. 

To provide some context, I had not logged into my Venmo account for several months. When I attempted to access it recently, I found that it had been deactivated. I contacted Venmo 's customer service to inquire about the reason for the deactivation, but they were unable to provide a clear explanation as to why my account was permanently deactivated. They informed me that my funds would be held for 180 days, which I find unacceptable. 

I want to emphasize that I have not engaged in any fraudulent activity, violated Venmo 's terms of service, or committed any wrongdoing that would justify the permanent deactivation of my account. The funds in my account are legitimate and were intended for personal use. I am deeply concerned about the hold placed on my money, as I need access to these funds. 

I kindly request your assistance in resolving this matter. Could you please help me understand my rights as a consumer and guide me on how to recover my funds? I believe that holding my money without a valid reason is unfair, and I would like to explore all available options to resolve this issue promptly. 

Thank you for your time and attention to this matter. I look forward to your guidance and assistance. Please let me know if you require any additional information or documentation from me to proceed. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reach out they mail to all three credit reporting agencies in reference to the several wrong addresses they have I want these address deleted as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: VA

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2025-02-04 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: VA

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2025-02-04 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-04 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXopen date {$720.00} which isn't accurate as one bureau shows it's a collection and the other shows the account acting as open and this information is in inaccurate. I ALSO ASKED THAT ALL ADDRESSES BE BLOCK AND REMOVED EXCEPT FOR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX as the only address that should remain on file. I also need all EMPLOYERS BLOCKED AND REMOVED. Equifax violated FCRA, including by failing to properly conduct reinvestigations of disputed information in consumer files; failing to prevent the improper reinsertion of previously deleted information from consumer files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to follow reasonable procedures to assure maximum possible accuracy of information Equifax reports on consumers ; and failing to block reporting of information consumers identified as resulting from identity theft and to provide appropriate notice when such blocks were declined or rescinded. That Equifax engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by : ( XXXX ) using ineffective systems, flawed processes, and excessive deference to furnishers to resolve consumer disputes and failing to adequately inform consumers of the results of reinvestigations ; and ( XXXX ) selling inaccurate consumer credit scores and credit attributes after it introduced test code into a production environment in a scoring model server.

Company response to consumer: Closed with non-monetary relief