vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
Subject : Request for Immediate Removal of Personal Identifiable Information and Investigation into Credit Report Discrepancies Dear Sir/Madam, I am writing to formally request the immediate removal of certain personal identifiable information from my credit report. Despite previously submitting five written requests, making three phone calls, and attempting several online submissions, my requests remain unresolved. I have also noted significant discrepancies across my credit reports from TransUnion, Experian, and Equifax, which raise serious concerns about potential identity theft. 

As a consumer protected by federal law, I demand the following deletions to ensure the accuracy and privacy of my personal information : Request for Information Removal : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update : Please remove all outdated and irrelevant addresses from my credit report. The only address I request to be included is : XXXX XXXX XXXX XXXX, XXXX, GA XXXX I can not receive mail at the outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my credit report. 
Social Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. 
Employer Information : Please delete all employer information currently listed in my report. 
Inconsistencies Across Credit Reports : Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I have observed the following discrepancies : Account Number Discrepancies : The same account number appears differently across the three bureaus. This raises concerns of potential identity theft, as unauthorized individuals may be altering or misusing my information.

Payment Status Inconsistencies : There are inconsistencies in the payment statuses across the reports, which could indicate fraudulent activity or errors reflecting transactions I did not authorize. Address Variations : The listed addresses across the bureaus do not match, suggesting unauthorized individuals may be using my personal information at different addresses.

Employer Information : There are discrepancies in the employer information, which may indicate fraudulent attempts to link my identity to accounts I did not authorize.

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 2025-02-06 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: CA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX Account number XXXX, XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, under the fair credit reporting act 15 U.S.C 1681 Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumers from the misuse of their credit information. It also ensures that consumer reports are accurate and private ALSO 15 USC 1681i ( a ) 6 ( b ) 3 challenges investigation protocol and 15 USC 1681i ( a ) ( 5 ) B challenges reinsertion protocols

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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There were 57 transactions that i do not know about international charges. Outside of us. And i disputed with wells fargo and they denied it. I do not ever authorized around over XXXX usd of transactions internationally. I made dispute on XX/XX/year> and got the result today XX/XX/year>. And i have bills to pay. And no money.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app has clueless reps. It's impossible to chat because they give the runaround same answers. They put a XXXX on my cash app account under documents for taxes. I tried explaining, they're not comprehending. I asked to speak to an American or supervisor because again they're not comprehended. This XXXX has been put on my personal cash app account. Why is cash app giving me a XXXX? I don't work for them. Since everyone i talked to lacks comprehension skills then i'm forced to file a complaint in order to get a resolution. I went to tax chat and found a number to call. Apparently it was for the tax dept. The rep had a " supervisor '' email me, not from the tax dept. I find the tax chat option and they refuse to answer my question. They've only copied and pasted a script that redirects me to email and answers to tax questions. The bots and support are so horrible. Cash app should not be sending account holders XXXX 's. I only have stock with them, nothing else. I do not work for them nor hold a w-2. Why did i get a XXXX from cash app in my documents?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: GA

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.

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. 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 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 2025-02-06 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: FL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request the CFPB take action to ensure Experian complies with the necessary proof of investigation. 

XXXX XXXX Missed Payment ( was never late ) - XXXX XXXX Missed Payment ( was never late )

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 2025-02-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal XXXX for Removal of Unauthorized Inquiries Violation of FCRA and Reference to Equifax XXXX Breach Settlement Dear Consumer Financial Protection Bureau XXXX I am writing to formally request the immediate removal of unauthorized inquiries from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. Upon reviewing my credit report, I have identified multiple unauthorized inquiries that I did not initiate, which constitute a violation of my consumer rights.

According to the FCRA, only inquiries that have been authorized by the consumer or made for permissible purposes may be reported. The presence of these unauthorized inquiries indicates a failure on the part of the credit reporting agency to properly verify and protect my personal information. Additionally, in light of the Equifax data breach settlement, which exposed sensitive consumer data and resulted in unauthorized access to personal information, I have reasonable cause to believe that my information may have been compromised and used for unauthorized purposes.

Under the FCRA, I formally demand the following : Immediate removal of all unauthorized inquiries from my credit report.

A detailed investigation and response within 30 days as required by 15 U.S.C. 1681i.

Provision of documentation or proof of my authorization for each disputed inquiry. If no verifiable proof can be provided, the inquiries must be removed.

Failure to comply with this request may result in legal action against the responsible parties, including but not limited to, filing a lawsuit for non-compliance and damages under the FCRA. 

Please provide written confirmation of the removal of these inquiries and the results of your investigation at your earliest convenience. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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 ( FCRA ), 15 U.S.C. 1681 which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ) 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. 
These are the are accounts that I mark as inaccurate 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

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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
On Sunday XX/XX/XXXX I woke up to multiple unauthorized transactions via cashapp for a sum of about {$7000.00}. Most of the money was withdrawn from my XXXX account as my debit card and my bank account is linked to my cashapp. I immediately contacted their support team to raise awareness of the activities. However I was told to wait XXXX business days for an answer. I also made a police report. A few days a later I was emailed back that my case was denied due to compared transactions history that was similar. I immediately disagreed and asked for documentations that shows comparisons. The document that I received does not show any similarities with my account history. I called them back and ask them to explain however I was told to file another claim. I went ahead and did as told and again my claim was denied and I was informed no further action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MO

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

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 2025-02-06 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I requested in writing a validation of debt and a signed contract because I received collection from the same company Midland Credit Management XX/XX/year> and they did not validate the debt and instead of validating the debt they reported after receiving my request for the debt validation to XXXX. I believe this is in violation of US 15 1682G. I want this deleted from all 3 major credit bureaus. I see this as harrassment and trickery to force me to pay them even though I don't have a validation of the debt or the accuracy of the actual amount owed to XXXX. for account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The {$20000.00} refunded by the merchant has not yet been returned to my credit card account. Please return the {$20000.00} to my credit card account.

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 2025-02-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

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

XXXX U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : EXPERIAN : XXXX XXXX XXXX XXXX Original balance {$2300.00} Status Paid in settlement. {$760.00} written off. 
Status updated XX/XX/XXXX Original balance {$2300.00} Comments Account paid in full for less than full balance Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Business Status Paid in settlement. {$17000.00} written off. 
Status updated XX/XX/XXXX Original balance {$20000.00} Monthly payment - Last payment date XX/XX/XXXX XXXX XXXX XXXX Address XXXX, WA XXXX Phone number ( XXXX ) XXXX Balance details 0 % paid off Balance {$13000.00} Balance updated XX/XX/XXXX Original balance {$12000.00} Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$13000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX EXPERIAN Inquiries : XXXX Important dates Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry dateXXXX XXXX  XXXX Removal dateXXXX XXXXXXXX Additional details Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry dateXXXX XXXX XXXX Removal dateXXXX XXXX Additional details Business type All Banks - non specific Contact info Address XXXX XXXX XXXX XXXX  Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation