vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report, and I have no idea why. I check my report regularly, but this time, I was shocked to see unexplained discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the issue persisted. This situation is extremely frustrating, and I need the documents I submitted to be reviewed immediately so I can finally stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
Re : CFPB enforcement action filed XX/XX/year> against XXXX & XXXX for TRANSUNION also failing to conduct adequate investigations of disputed and reinserted information in credit reports, due to Identity theft, that have since been removed. ( THIS IS A CFPB COMPLAINT, against TRANSUNION for FCRA VIOLATIONS, I AM SEEKING MONATARY RELIEF/ for Financial compensation. ) See attachments.

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 2025-02-11 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: TX

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX - XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX CO - XXXX - {$230.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$3600.00} XXXX - XXXX - {$130.00} XXXX XXXX XXXX - XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XXXX - {$570.00} XXXX XXXX XXXX XXXX - XXXX - {$670.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$2300.00} XXXX JXXXX XXXX XXXX XXXXXXXX XXXX XXXX - {$500.00} XXXX XXXX XXXX - {$830.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being.

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate 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 2025-02-10 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: DC

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 capital XXXX {$470.00} XXXX XXXX {$16000.00} XXXX {$250.00} rXXXX XXXXXXXX {$13000.00} aspire credit XXXX $ XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the *Bureau* credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dont know how many times I need to bring this up, but I am sick and tired of seeing the same errors on my report. These mistakes are not just small issuesthey are actively lowering my score and blocking important financial opportunities.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am beyond frustrated with the repeated errors on my report. No matter how many times I try to address this, I keep finding mistakes that are damaging my score and blocking me from financial opportunities. I have done my partIve checked, Ive disputed, and yet the errors remain.

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 2025-02-11 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: NY

Complaint narrative:
I am filing this complaint against TransUnion for failing to properly investigate my disputes and for verifying inaccurate information as accurate, despite clear evidence to the contrary. I have made multiple attempts to resolve these inaccuracies through various dispute channels ( mail, phone, and online ), yet the errors remain on my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and demonstrates TransUnions failure to conduct a reasonable reinvestigation, as required by law. 

Additionally, TransUnion is reporting a bankruptcy ( Reference Number : XXXX ) on my credit report that can not be verified. I have already provided TransUnion with proof from XXXX that they are not reporting a bankruptcy for me. Since XXXX is one of the primary sources for public record data, it is impossible for TransUnion to have properly verified this bankruptcy as accurate. Despite my disputes and the evidence provided, TransUnion continues to report this public record without valid verification, which is a direct violation of the FCRA. 

I am including a copy of my XXXX report that does not list a bankruptcy, as further proof that TransUnion has failed to conduct a proper investigation.

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 2025-02-11 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: MD

Complaint narrative:
The XXXX department for TransUnion is located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 




Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear trans union : I XXXX XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against trans union 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 about investigation results effectively. 
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 dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report : Likes Under the FCRA, you are required to :

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im beyond frustrated that this is still going on. These accounts in pending litigation should never have been reported on my credit in the first place. Ive contacted you repeatedly, and despite my efforts, theres been no action taken to fix the issue. Every day this goes unresolved, my credit score takes a hit, and its seriously affecting my financial future.

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 2025-02-11 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: PA

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : I have recently checked on my credit report. I believe that I've been a victim of identity theft, and found numerous accounts and credit inquiries, which I have no knowledge of. I conrm that these accounts and inquiries were made without my authorization and I request that they be removed from my credit report immediately. Here is the list of the following inquiries that I wasn't able to add under the additional information tab : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: AR

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 confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX I looked at my Equifax credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 168 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generaiff, 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 shall ( i ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with 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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I received a XXXX for 2024 from Block Inc XXXX XXXX Square Inc ) indicating there had been XXXX payment transactions in XX/XX/year> totaling {$2400.00} via Cash App. The form included my name, address, an account number ( XXXX ), and the last XXXX digits of my SSN. I have never had an account with Cash App and verified this by using my phone/email address to see if I had an account. Neither were registered. On XX/XX/XXXX, I called Cash App to explain that I did not have an account yet had received an income statement and that someone must have created an account using my information. They emailed me some questions to complete for them to start an investigation. I did not hear anything from them and followed up again on XX/XX/XXXX and again on XX/XX/XXXX. In the mean time I submitted an identity theft report with the FTC. On XX/XX/XXXX, the company responded saying they do not offer tax advice, that I should report identity theft to the FTC, and then submit a complaint with a law enforcement agency. In a series of emails between XXXX XXXX, I repeatedly demanded they close any account associated with my personal information ( name and SSN ) and they have continued to refuse. I have also submitted a complaint with the FBI. I sent both the FBI complaint and the FTC report to Cash App but they have not replied. I submitted a complaint with the Better Business Bureau and I have also requested information from Cash App directly by mail pursuant to Section 609 ( e ) of the Fair Credit Reporting Act using an FTC template.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report To Whom It May Concern, I am writing to formally dispute an unauthorized inquiry on my credit report, which I did not authorize and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1681b, credit inquiries must have a permissible purpose and explicit consumer authorization. Additionally, 15 U.S. Code 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. Given these legal protections, the inquiry in question was made without my knowledge or consent and must be removed. 

I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure compliance with applicable federal statutes in handling consumer credit data. 
Provide me with an updated copy of my credit report reflecting this correction. 
For verification, I have attached copies of my identification and proof of my current address. Please confirm receipt of this dispute and provide a written response within 30 days, as required under the FCRA. If no action is taken, I may consider further legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Photo identification Proof of current address

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 2025-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act account capital one account, nelnet, and capital one auto account, has violated my rights 15 USC 1681 section 602 states I have the right 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: WV

Complaint narrative:
Synergetic Communication XXXX XXXX XXXX XXXX XXXX XXXX Texas placed two charge off accounts on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent them a certified Debt validation letter on XXXX XXXX XXXX. After a week or so the charge-off/collection amounts were removed. In XXXX Synergetic reinstated one charge off collection amount with no account XXXX. The amount was approx. {$3900.00}. Today, XXXX XXXX XXXX I sent another debt Validation letter. This alleged debt was For Virtual Home Realtor in XXXX XXXX XXXX  I never used the services, nor did I borrow money or obtain any credit from them. Thus far Synergetic has not provided me with any information as to the alleged debt validation latter 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I paid my credit card down by a XXXX XXXX checking account on XXXX. I was told my funds would be released XXXX. They were not. On XXXX I called and was told funds would be released XX/XX/XXXX. They were not. On XX/XX/XXXX I was told by two different representatives that my funds would be released XX/XX/XXXX then XX/XX/XXXX and XX/XX/XXXX. I canceled another pending payment from XXXX XXXX for XXXX dollars as I will not give them any more money until they show me restored credit and provide documentation as to why they have prolonged my funds. XXXX XXXX is open till XXXX PAC Time and they tried to make an excuse the bank was not open to call each time and they were not allowed to provide documentation. Where is my 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 2025-02-10 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: WI

Complaint narrative:
My personal information was exposed in an XXXX data breach. These accounts listed do not belong to me. 

XXXX XXXX XXXXXXXX XXXX Acct # XXXX, Bal- {$400.00}, Opened : XX/XX/XXXX Online Information XXXX Acct # : XXXX, Bal- {$4600.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # : XXXX, Bal- {$700.00}, Opened : XX/XX/XXXX XXXX & XXXX XXXX Acct # : XXXX XXXX XXXX {$230.00}, Opened : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief