vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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 to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : 1. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} million in damages. 
2. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXX XXXX. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
3. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
4. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} million for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. 

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 2025-03-20 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: TX

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has an address on my credit report that is inaccurate Ive never lived at that address all XXXX XXXX XXXX IL XXXX I looked the address up on XXXX and its not even a verified address. I also explained this to a few Experian Reps and they didnt help with deleting this unknown address off 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-03-20 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: CA

Complaint narrative:
i am filing complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds with 24 hours stating the account is accurate, without providing any evidence of a through investigation. this practice violates the FairCredit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 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 Equifax complies with federal law and provides consumers with necessary proof of investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
My personal and financial information was compromised without my authorization. The family, education, rights and privacy act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt. You have XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: SC

Complaint narrative:
Sent multiple communications to Equifax beginning in XX/XX/year>, requesting information because there were multiple inaccuracies reporting on my credit report. I continued writing to follow up on my previous disputes. Despite my request for the method of verification, I have not received a satisfactory response. The inaccuracies are causing significant detrimental harm to my financial reputation and constitute a misrepresentation of my creditworthiness. These errors are negatively affecting my ability to secure credit, loans, and other financial opportunities, and I requested immediate correction to prevent further damage. I requested proof of the accuracy and completeness of the disputed information, including the method of verification and the name, address, and phone number of the person or organization that verified the alleged. In my communications I advised that, Failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Additionally, I may pursue legal remedies including statutory damages up to {$1000.00} per violation, actual damages, punitive damages, and attorney 's fees as outlined under the Fair Credit Reporting Act ( FCRA ). Please reach out to me directly via phone, XXXX, if there is any additional verification required. Thank you for your prompt attention to this matter.

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 2025-03-20 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation of not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I took a paper payroll check for deposit. I was informed that that type of check had not been seen before, I agreed since my employer completes payroll with direct deposit. I was informed by Bank of America that the check would clear on XX/XX/XXXX. Later in the day I was sent an email that the check would need to go through the verification process and it would not clear until the XX/XX/XXXX, in the interim XXXX have collegues bank 's stated that their check was fraudlent at other banks. I asked my employer to stop payment and reissue. She declined because she said Bank of America had processed the check on XX/XX/XXXX and the funds have been released to Bank of America. I went to Bank of America on XX/XX/XXXX and was told to call the " Hold & Release '' to ask for escalation due to my account is negative and have no money for food or essentials. I completed that instruction and was told that I could call back today for the decesion to have the verification escalated. Today, XX/XX/XXXX I called and it had not been started due to it being it was not received until XXXX Eastern on the XXXX. I made multiple attempts to advocate for my self because I have no money for food and I live alone. I also told them the issuing bank had released the money to the Bank. They would not ensure that it would escalated and could not help me

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 monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ) .I 'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX, XXXX  XXXX BANK XXXXXXXX XXXX XXXXXXXX BANK XXXX, XXXX CARD XXXXXXXX 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 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
My account got closed for violating their terms and conditions regarding the account. However I havent done anything to even break any rules set by cash app. I have tried multiple times to make an appeal to have it reopened, and every time they have told me that someone will contact me in 30 days and after requesting over 3 times, I have yet to be contacted by them and their team that handles these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
On XX/XX/year>, at the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used to pay {$10.00} per month for mobile phone with XXXX. I was surfing at their store and ended up, upgrading my phone and services. After two days of using the mobile phones, I got frustrated. XXXX is defective ; it dies when used, and the XXXX, the old user 's mobile phone 's name and mobile phone number, appear in the About of the Setting. It was not completely deleted when it was refurbished. When I used the camera, it went directly to XXXX XXXX under the Old User 's name. 

I tried contacting Customer Service Many times I need to transport my number to another carrier, but I can't, unless I pay the restocking fees of {$60.00} per phone. 

I am XXXX a XXXX XXXX citizen. I used to pay {$10.00} per month for mobile phone services, and now I in debt and not able to get out of my XXXX contract. I was not given a receipt, and the message in the text doesn't have explanations of my contract. And now, Debt Collector after me of {$160.00} for the month of XX/XX/year>, but according to the Customer Service as of XX/XX/year>, I owe over {$500.00}. Please help me to resolve this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Due to being a victim of XXXX XXXX XXXX, a scam company that led me into foreclosure by lies about the status of my " payments '' and posing as legal advice, I nearly lost my home to foreclosure. When I realized I was the victim of a scam, I immediately brought all payments up to date and wired them the money, which was all missed payments and legal fees, to reinstate my loan. I was very grateful for that, but they charged legal fees of around {$8000.00} which I thought were excessive considering that I live in a nonjudicial state and the only legal work that was done seemed to be a couple of form letters. They insisted over the phone that these were actual fees but I did not believe they could generate the equivalent of XXXX XXXX  of lawyer time for what amounted to a form letter and an advertisement. I sent a RESPA via certified mail and asked for proof/ receipts to verify that the fees they charged me were incurred. They have not responded to my request which was sent a couple of months ago.

Company response to consumer: Closed with explanation