vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024

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 2025-03-08 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: IL

Complaint narrative:
I am writing to formally dispute certain hard inquiries listed on my credit report that I believe are inaccurate or unauthorized. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incorrect or unrecognizable. I have been a victim of identity theft XXXX XXXX XXXX .I do not recall authorizing these inquiries, nor do I have any record of giving consent for such checks. Please be aware that I am fully aware of my rights under the FCRA. If the necessary investigation is not conducted properly or if these erroneous inquiries are not removed in a timely manner, I will pursue legal action. This includes potential claims for damages resulting from the inaccurate reporting, as I am entitled to under 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 explanation
Consumer complaint received 2025-03-08 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 writing to formally dispute certain hard inquiries listed on my credit report that I believe are inaccurate or unauthorized. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incorrect or unrecognizable. I have been a victim of identity theft XXXX XXXX XXXX .I do not recall authorizing these inquiries, nor do I have any record of giving consent for such checks. Please be aware that I am fully aware of my rights under the FCRA. If the necessary investigation is not conducted properly or if these erroneous inquiries are not removed in a timely manner, I will pursue legal action. This includes potential claims for damages resulting from the inaccurate reporting, as I am entitled to under 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 2025-03-09 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:
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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TOYOTA MOTOR CREDIT CORPORATION
State: MN

Complaint narrative:
XXXX XXXX XXXX improperly reported to my credit bureaus that I missed payments for XX/XX/XXXX and XX/XX/XXXX. These were not late payments but the payments I made was applied to principal payments instead of regular monthly payments due and thats their fault and not mine. 

Because of their reporting my credit dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 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 2025-03-09 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: FL

Complaint narrative:
Equifax XXXX XXXX XXXX, XXXX, GA XXXX Re : Request for Deletion of Charge-Off from Credit Report Account Number : XXXX ( XXXX XXXXXXXX ) Dear Sir/Madam, I am writing to formally dispute the accuracy of the charge-off status listed on my credit report for the XXXX XXXXXXXX account with the above-referenced account number. I respectfully request that this ac-count entry be deleted from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and based on the legal principle that a charge-off is considered in-come for tax purposes under 26 U.S.C. 61 ( a ).

Upon reviewing my credit report, I found that the account reflects a charge-off, which is negatively impacting my credit score. However, under 26 U.S.C. 61 ( a ) of the Internal Revenue Code, a charge-off may be treated as income by the creditor for tax purposes, meaning the amount written off is recognized as income, and is thus no longer a legitimate obligation that I owe.

Additionally, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and complete. A charge-off, by definition, represents a situation where the creditor has dis-charged the debt, treating it as income rather than as an outstanding balance owed. This should not be reflected as a current obligation on my credit report but rather should be removed if the debt has been discharged.

Therefore, I request that you delete this charge-off entry from my credit report based on the following : 1. Charge-Off as Income : Under 26 U.S.C. 61 ( a ), a charge-off is considered taxable income to the debtor, meaning it is no longer a valid debt obligation. Since the charge-off is recognized as income for tax purposes, it should not be reflected as an outstanding balance on my cred-it report.

2. Fair Credit Reporting Act : Pursuant to the FCRA, 15 U.S.C. 1681 et seq., I am entitled to have my credit file contain accurate and verifiable information. A charge-off entry that has been treated as income should not remain as a negative mark on my credit file.

I respectfully request that you conduct a thorough investigation into this matter and, based on your findings, remove the charge-off from my credit report if the information can not be verified as accurate or if it is in violation of the above statutes.

Please provide me with written confirmation of the results of your investigation and the actions taken regarding this dispute. 
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 non-monetary relief
Consumer complaint received 2025-03-09 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: OH

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 2025-03-09 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: MD

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-03-09 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: CA

Complaint narrative:
XX/XX/XXXX i submitted a complaint to cfpb stating i needed the XXXX XXXX XXXX account on my credit report to be removed from my equifax credit report. 

It is XX/XX/XXXX and it is still on my credit report!!!!!!!!! 

It was an account opened by my ex husband, And i had no knowledge of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was checking my credit report and saw some inquires I do not recognize : Wells Fargo Auto, XXXX XXXX XXXX  XXXX and XXXX XXXX. I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent.

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 2025-03-08 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Collection of transwold system inc : the XXXXXXXX XXXX XXXXXXXX " promise to delete once paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
This account never had late payments even it was paid in full and closed and continues to exist on my negative credit report ... .The account in question is XXXX XXXX Late Payments

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 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am unable to view my credit score because experian keeps stating that it has not been updated. Despite my attempts to resolve this issue and submitting the necessary information, the problem persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am unable to view my credit score because experian keeps stating that it has not been updated. Despite my attempts to resolve this issue and submitting the necessary information, the problem persists.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Experian report : XXXX. 

Currently, my credit report shows a discrepancy regarding my bankruptcy. Experian is reporting the bankruptcy on my credit history, while XXXX is not reporting it. 

This inconsistency suggests that the information provided by Experian may be inaccurate or incorrect. According to the Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681 ), the information in credit reports must be accurate, verifiable, and consistent across all credit bureaus. 

I requested that Experian verify this information, but I have not received a satisfactory response. Since XXXX is not reporting this bankruptcy, it demonstrates that the data may not be accurate. Therefore, I request that this information be immediately removed from my credit report, as its maintenance violates my rights under the FCRA.

By failing to correct this error, Experian is in violation of FCRA ( 15 U.S.C. 1681i ( a ) ), which requires credit bureaus to investigate and remove inaccurate or unverifiable information within a reasonable time.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Ive disputed over XXXX times this situation through Equifax Equifax keep updating old accounts make them new and bring in my credit score down drastically. Ive asked Equifax over XXXX times to opt me out to close my account nicely. They always tell me that the federal government or any government agents cant force them to close my account. Why can I opt out of XXXX and XXXX but not Equifax.? XXXX XXXX is showing a XXXX  XXXX on my report now Equifax has updated saying that XXXX XXXX  has a bankruptcy XXXX  XXXX, and also a bankruptcy petition The opening date XX/XX/year> When Ive never had an account with this mortgage company. I never filed a dispute with this mortgage company or paid mortgage to this company. They put this on my credit report as a solo mortgage company. This is inaccurate. They have updated all of my account dirty and 90 days late, but 60 days are not late. How is that possible? They are so XXXX  XXXX late payments which is closed. Paid off full with no late payments. They are showing XXXX XXXX with late payments for 30 and 90 days and above, but not 60 days late. They are also showing my credit years incorrect. I supposed to have over 11 years of credit maybe more. I need Equifax to take this off my credit report. I need Equifax to opt me out of sharing and collecting data on my credit.

Company response to consumer: Closed with non-monetary relief