vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: SC

Complaint narrative:
I am filing a complaint against TransUnion for failure to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating that the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB ' s recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. The following are the accounts I have marked as inaccurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: OH

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. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Upon reviewing my credit report with the goal of addressing any outstanding accounts that may have entered collections due to past financial hardships, I was shocked to find numerous accounts, collections, and inquiries that I neither authorized nor recognized. This alarming discovery strongly suggests that my identity has been stolen and fraudulently used without my consent. 

In response, I immediately filed a complaint online at XXXX and submitted disputes with all major credit bureaus, attaching my identity theft report. Additionally, I will be sending certified letters to each credit bureau to further document my claims. I have attached all relevant information below for your review, which include names and dates.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon reviewing my credit report with the goal of addressing any outstanding accounts that may have entered collections due to past financial hardships, I was shocked to find numerous accounts, collections, and inquiries that I neither authorized nor recognized. This alarming discovery strongly suggests that my identity has been stolen and fraudulently used without my consent. 

In response, I immediately filed a complaint online at XXXX and submitted disputes with all major credit bureaus, attaching my identity theft report. Additionally, I will be sending certified letters to each credit bureau to further document my claims. I have attached all relevant information below for your review, which include names and dates.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX furniture 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, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 
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. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX furniture 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, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 
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. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This accounts is l listed as collection and/or charged off account with a past due balance and I am requesting the deletion of the charged off debt be removed from my credit report. In addition, I request an immediate update to my credit report reflecting deletion of the items.from my credit report. This is inaccurate because this debt is charged off and considered income. I should have received a XXXX to account for it as income and income should not be listed on my credit report..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
my debt was sold with out my consent 15 usc 1681 fair credit reporting act

Company public response: Company believes it acted appropriately as authorized by contract or law
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: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to Transunion and Equifax regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( XXXX ) Section XXXX ( XXXX U.S.C. XXXX ), they must investigate and respond within 30 days ( or XXXX if more information is provided ). However, over 60 days have passed, and I have received no response, correction, or removal of the disputed items. This failure to investigate and/or correct unverifiable information appears to violate the FCRA. I am seeking the CFPBs assistance to ensure Transunion and XXXX complies with its obligations by investigating my dispute, correcting or removing inaccurate items, and providing a timely resolution as required by law.

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Cashapp handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cashapp numerous times and reporting discrepancies, my financial institution and Cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was impossible. The CFPB finding indicate that Cashapp has not only neglected to protect consumers but has also repeat offenders to exploit the system leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I bought a used XXXX XXXX in 2018 from XXXX XXXX. It was financed by XXXX XXXX. The car was sold to me as meeting all inspections and also never been in an accident. I had the car a couple weeks when it began having mechanical problems. I took it to an authorized repair shop that the extended warranty covered. The mechanic called me to let me know he could not work on the car because it had many salvaged parts and clearly was wrecked. I took it to the dealership and they cancelled the loan..the finance company XXXX XXXX XXXX XXXX XXXX it as still being in my possession and the loan as open yet the dealership says I returned the car and the finance company sold it at auction. They refused to run the vin number to verify the car is not in my possession and any credit or loan I apply for when contacted they tell the potential finance company that I have the car and never made the first payment. I didn't make the first payment because it was returned and my down payment returned before the payment was due.

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 card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I applied for a Synchrony Bank XXXX credit card to purchase a product I wanted. I was approved for {$1300.00} I believe. My product was {$1200.00} I believe. This was in XXXX. My payments were {$81.00} a month. I paid faithfully for over 2 years. I paid the card down to {$770.00} more than half of what I owed. My next bill I received my balance jumped from {$770.00} to {$1300.00}. Confused I called Synchrony. I was told that I didnt pay the card off in the time I was suppose to. Confused again I told them I didnt know there was a time frame on paying off the card. I would like to pay the {$770.00} I had remaining to close the card. I was told I couldnt hence why my credit reports state closed XX/XX/XXXX with remarks of XXXX but kept collecting for 14 months showing current then state closed again XX/XX/XXXX with a XXXX XXXX. I had been double/triple paying for XXXX product I bought for {$1200.00}. I again was not told on the phone about a time frame if paying off this card. I believe I was blindsided by this misleading credit card and now my credit report is negative because of this misleading card.

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: 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: MD

Complaint narrative:
I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts Ive marked inaccurate XXXX XXXX XXXX XXXX and 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 2025-02-02 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: NE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX [ Date ] [ Credit Bureau XXXX ] [ Credit Bureau XXXX ] [ City, XXXX, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau XXXX XXXX XXXX Department, I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my credit report, I noticed incorrect information that needs to be investigated and corrected. The details of the disputed item ( XXXX ) are as follows : Creditor Name : [ Name of the creditor ] Account Number : [ Account number, if available ] Issue : [ Briefly describe the inaccuracy, such as an incorrect late payment, an account that does not belong to you, an incorrect balance, etc. ] To support my dispute, I have attached copies of relevant documents, such as payment records, account statements, or correspondence with the creditor, that verify the correct information. 

Under the Fair Credit Reporting Act ( XXXX ), I am requesting an immediate investigation into this matter. Please correct or remove the inaccurate information from my credit report and provide me with written confirmation of your findings. 

If you require any additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : [ XXXXt any enclosed documents ]

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have requested several times for the three major credit reporting agencies to remove all other names, addresses and phone numbers offer my credit report except for the ones that I have given them. I only have one name, which is, XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX and my phone number is XXXX, AND I AM THE CEO OF XXXX XXXX XXXX XXXX THAT IS MY JOB, WHERE ARE WORK. I have asked them to remove any and all other information. Because it makes it look as if I move around a lot. The truth IS that I was in the XXXX XXXX XXXX for twenty three years and yes, I didn't move around a lot, but during that twenty three years that was my job so I had to do what I had to do I am asking for help because they do not want to remove all the other old and outdated information. Which, in turn harms me from obtaining auto loans and other things that I need to take care of my family.

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have requested several times for the three major credit reporting agencies to remove all other names, addresses and phone numbers offer my credit report except for the ones that I have given them. I only have one name, which is, XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX and my phone number is XXXX, AND I AM THE CEO OF XXXX XXXX XXXX XXXX THAT IS MY JOB, WHERE ARE WORK. I have asked them to remove any and all other information. Because it makes it look as if I move around a lot. The truth IS that I was in the XXXX XXXX XXXX for twenty three years and yes, I didn't move around a lot, but during that twenty three years that was my job so I had to do what I had to do I am asking for help because they do not want to remove all the other old and outdated information. Which, in turn harms me from obtaining auto loans and other things that I need to take care 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 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I filed a dispute with Chime regarding multiple unauthorized transactions on my account XX/XX/year> in the amount of {$610.00}. Less than 24 hours later Chime reached out to me stating the investigation into my dispute claim is complete and they found that no error occurred and deemed the investigation closed. Upon hearing this, I filed a rebuttal and asked that they re-investigate my dispute claim and I informed them I would be submitting new information in the following days, however before I was given ample time to submit my new information they reached out to me stating they finished their re-investigation and once again determined no error occurred. At that point I filed yet another rebuttal and submitted new documentation to support my dispute and was once again denied on my rebuttal, however after multiple rebuttals on a different dispute and providing the same exact supporting documentation Chime suddenly reversed some but not all disputes transactions.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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