vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX 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 a car insurance account opened at XXXX XXXX on XX/XX/year> under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of 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 2025-01-25 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn, XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Credit Report Information Non-Compliance with 1681 or Civil Liability for Negligence Dear Sir/Madam , I am writing to formally dispute an entry on my credit report that I believe is inaccurate, non-compliant with the Fair Credit Reporting Act ( FCRA ) Section 1681, or reflects a situation involving civil liability due to negligence or non-compliance on the part of the reporting party. 

Item ( s ) in Dispute : Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Disputed Amount : {$210.00} Date of Report : XX/XX/XXXX Reason for Dispute : Based on my review of my credit report, I believe the information listed above is incorrect or incomplete. Specifically, the issue at hand relates to [ describe the issue e.g., failure to report a debt as resolved, inaccuracies regarding payment history, non-compliance with FCRA regulations, etc. ]. 

In accordance with Section 1681 of the FCRA, I request that you thoroughly investigate this dispute. I believe this item is subject to civil liability due to negligence or non-compliance, which may have led to an incorrect or incomplete reporting of my credit history. Therefore, I am requesting the following actions : 1.A full investigation into the accuracy of the disputed entry.

2.Immediate correction or deletion of any inaccurate or non-compliant information.

3.Written confirmation of the outcome of your investigation within the 30-day window as required by the FCRA.

Enclosed are copies of relevant documents to support my dispute, including [ list any supporting documents, such as payment receipts, account statements, correspondence, etc. ]. 

Please confirm receipt of this dispute and inform me of the status of the investigation within 30 days as stipulated by law. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cashapp closed my account when I did nothing wrong said I violated something when I tried to find out what they said I did could talk to them although they reported a number but it was just a bot agree I was scammed for some money of my app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the agreement to show full ownership. Despite my efforts to resolve this directly with the creditor, it remains unresolved. I request immediate investigation and removal due to inaccuracies across all 3 bureaus, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MD

Complaint narrative:
XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian, XXXX, XXXX I am writing to formally dispute inaccurate information on my credit report, which I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies as mandated by federal law. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers effectively about the results of investigations. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my disputes may be handled in a similar manner.

Under the FCRA, you are required to conduct a proper investigation in a clear and comprehensive manner. Please review the inaccurate information being reported on my credit report.

If the disputed information is verified as accurate, I request that you provide me with any documentation you rely on for such verification. If you find the information to be inaccurate, I request its immediate removal or correction from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute.

Failure to resolve this matter appropriately may leave me no choice but to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, 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 2025-01-25 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XX/XX/XXXX {$3000.00}, XXXX XXXX XXXX {$470.00} - {$130.00} open XX/XX/XXXX XXXXPlease remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have tried several attempts to make contact with the creditor on XXXX XXXX to dispute the inaccurate information. The account is with NATIONAL CREDIT SYSTEM  : XXXX XXXX XXXX unfortunately still remains on my credit and I need it removed. Which is in the amount of XXXX as amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have asked to have names, numbers, addresses that does not belong to me to be removed. They have not done so. Ive also asked for proof of these debts, and have not gotten any proof at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
On XX/XX/XXXX, I submitted a formal dispute to Experian regarding multiple accounts on my credit report containing inaccuracies or unverifiable information. Despite the statutory XXXX period required under FCRA 611 ( a ) ( 1 ), Experian has failed to provide any verification or resolution for the disputed accounts. Additionally, Experian updated the results of certain accounts without providing any supporting documentation to verify their accuracy, further violating their obligations under federal law. 

The accounts in question include : XXXX : Reporting late payments from XX/XX/XXXX to XX/XX/XXXX, which remain unverifiable. 

XXXX : Reporting unverifiable late payment information. 

DEPT OF EDXXXX : A balance of {$330000.00}, deferred until XX/XX/XXXX, with no verification of ownership or accuracy. 

XXXX : Multiple late payments reported for XXXX and XXXX remain unverifiable. 

XXXX : A paid and closed account, inaccurately reporting a XXXX late payment in XX/XX/XXXX. 

In my original dispute, I specifically requested that Experian : 1.Open an investigation into the accuracy of these accounts as required by FCRA 611 ( a ) ( 1 ).

2.Provide verification with supporting documentation from the furnishers ( e.g., original agreements, payment histories, proof of compliance with reporting guidelines ).

3.Remove any accounts that could not be verified within the statutory 30-day period, as required under FCRA 611 ( a ) ( 5 ). 

As of XX/XX/XXXX, Experian has : -Failed to provide evidence of an investigation or verification of the disputed accounts. 
-Updated certain accounts ' statuses without any supporting documentation, further violating FCRA requirements. 
-Failed to remove any unverifiable accounts from my credit report.

Experians actions violate the following : FCRA 611 ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 5 ) : Failure to delete unverifiable information.

FCRA 616 and 617 : Negligence and willful noncompliance, causing damage to my creditworthiness.

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 2025-01-25 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: CA

Complaint narrative:
I have disputed information on my credit report of wrong social security number, wrong phone numbers, wrong addresses and names on accounts that were reported and found to be fraudulent. I asked XXXX to delete the accounts and information. They refused on some and removed some just to put them back 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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have disputed information on my credit report of wrong social security number, wrong phone numbers, wrong addresses and names on accounts that were reported and found to be fraudulent. I asked XXXX to delete the accounts and information. They refused on some and removed some just to put them back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MI

Complaint narrative:
I filed a dispute with account number XXXX with XXXX XXXX XXXX via FCRA usage on XX/XX/XXXX. While it was removed from my Transunion report on XX/XX/XXXX, XXXX denied to follow up with the investigation and did not remove it and stated it was valid. XXXX has not attempted to correct this or investigate it. This item had previously been removed when alleged over a year ago by a prior company. I am requesting the mark be removed immediately. I was notified that the CFPB has filed a lawsuit against XXXX for violation such as mine please correct the derogatory mark asap.

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 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IL

Complaint narrative:
My information was part of the data breach, and I will need all information deleted as soon as possible off of my credit report and stop being reported for the accounts do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I have submitted multiple letters to XXXX, TransUnion and XXXX throughout the year of ( March 2024-November 2024 ) that my information was comprised of my identity, and they said it was investigated. However, I did not get any documents showing what, when and how any information was belonging to me. 

Letters were sent with my correct name, address, driver 's license and so forth, but they still have it wrong on my report. Information about the identity issue was sent in and it was denied. 
However, I have not been able to acquire the things that will help my ill mom because of this. I have over a dozen items which the companies were informed they were not accurate for XXXX reason or another. ( The inaccurate information is causing me to stress and become ill myself. It was even noted to the companies that the FCPA first initial is to be FAIR, and this is not fair by any means. ) XXXX : XXXX XXXX : DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : US DEPT ED 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 XXXX XXXX : Transunion XXXX : XXXX XXXX XXXX XXXX : Transunion XXXX : XXXX XXXX XXXX XXXX Transunion XXXX : XXXX XXXX : Transunion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Transunion XXXX : XXXX XXXX XXXXXXXX XXXX Transunion XXXX : XXXX XXXX XXXX Please inform me of what is to happen now.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple letters to XXXX, XXXX and Experian throughout the year of XXXX XXXX XXXX XXXX XXXX that my information was comprised of my identity, and they said it was investigated. However, I did not get any documents showing what, when and how any information was belonging to me. 

Letters were sent with my correct name, address, driver 's license and so forth, but they still have it wrong on my report. Information about the identity issue was sent in and it was denied. 
However, I have not been able to acquire the things that will help my ill mom because of this. I have over a XXXX  items which the companies were informed they were not accurate for one reason or another. ( The inaccurate information is causing me to stress and become ill myself. It was even noted to the companies that the FCPA first initial is to be FAIR, and this is not fair by any means. ) XXXX : XXXX XXXX : DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX : XXXX XXXX XXXX XXXX : Experian XXXX : US DEPT ED XXXX XXXX Experian XXXX : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX : Experian XXXX XXXX XXXX XXXX XXXX : Experian XXXX : XXXX XXXX : Experian XXXX : XXXXXXXX XXXXXXXX XXXX XXXX Experian 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 XXXXXXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Please inform me of what is to happen now.

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