vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-28 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-28 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: PA

Complaint narrative:
Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. Also 15 USC 1681i ( a ) 1, 15 USC 1681i ( a ) 6 ( B ) 3, and 15 USC 1681i ( a ) 5 ( B ).

I didnt do any of these inquires on my profile besides ford and credit cards. None of these from mortgages companys are from 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 explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding serious inaccuracies and violations related to my credit reporting. My concerns primarily revolve around false Social Security numbers associated with my account, unauthorized inquiries, unauthorized accounts, and discrepancies in my reported balances. Despite my efforts to dispute these issues with the reporting company, they have failed to conduct proper investigations and consistently deny my requests.

Under **15 U.S. Code 1681o**, consumers have the right to seek damages for willful noncompliance with the Fair Credit Reporting Act. The inaccuracies in my credit report not only misrepresent my financial standing but also have a detrimental effect on my creditworthiness.

1. **False Social Security Numbers** : My credit report contains false Social Security numbers linked to my account, creating confusion and further complicating my credit history. This raises significant concerns about identity theft and the accuracy of the information being reported.

2. **Unauthorized Inquiries and Accounts** : I have identified several unauthorized inquiries and accounts that I did not open. These entries are not only inaccurate but also violate my rights as a consumer. Despite my attempts to dispute these entries with the credit reporting company, they have not provided satisfactory resolutions, ignoring my requests for validation.

3. **Inaccurate Balances** : There are discrepancies in the reported balances on my accounts. These inaccuracies misrepresent my financial situation and have the potential to harm my credit score.

4. **Disclosure of Personal Information** : Additionally, the company has disclosed my personal information, including permanent addresses and phone numbers, in public records. This unauthorized dissemination of my information is a serious violation of my privacy rights.

Despite my repeated attempts to resolve these issues directly with the reporting company, they have failed to investigate my claims adequately. They continually deny my requests without providing proper justification or resolution.

I urge your office to investigate these matters thoroughly and take action against the reporting company for their failure to comply with the Fair Credit Reporting Act and the protections afforded to consumers under **15 U.S. Code 1681o**. I seek to have these inaccuracies removed and my rights restored.

Thank you for your attention to this urgent 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 2025-01-28 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: LA

Complaint narrative:
Experian does not properly investigate consumer complaints of errors in credit reports, threatening their access to credit, employment and housing & ( Fcra )

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 2025-01-28 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: AZ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Credit Report attributable to XXXX may be BLOCKED from your credit report. Remove these entire items from my credit reports because these items is, or contains adverse information that is, the result of my being a victim of XXXX XXXX. These accounts need to be blocked and removed according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) Please remove item within 4 business days : 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 explanation
Consumer complaint received 2025-01-28 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:
Subject : Dispute of Fraudulent Accounts on My TransUnion Credit Report Dear TransUnion, I am writing to formally dispute the following accounts appearing on my credit report, which are fraudulent and were opened without my authorization due to my identification being compromised : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My personaXXXX and financial information was compromised as a result of the XXXX data breach and the XXXX XXXX  XXXX XXXX data breach XXXX These breaches have led to the unauthorized use of my information and the creation of fraudulent accounts in my name. 

Under the Fair Credit Reporting Act ( FCRA ), 611, I request an immediate investigation into these accounts. As they are not mine, and their presence on my credit report constitutes a violation of my consumer rights, I demand that these accounts be permanently deleted from my credit report. 

Please complete your investigation promptly and provide written confirmation once these fraudulent accounts have been permanently removed. Thank you for addressing this matter and ensuring the accuracy of my credit report in compliance with federal law. 

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 2025-01-28 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: TX

Complaint narrative:
I provided proper documentation from the XXXX XXXX task force and requested that adverse information be blocked from my file due to victimization.

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 2025-01-28 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: NY

Complaint narrative:
Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I will also like to remind you of the Dixon- Rollins v. Experian Information Solutions , Inc XXXX XXXX ) and Miller V. Equifax Information Services LLC ( XXXX XXXX These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. 
Thank you. 

Account Name : XXXX XXXX XXXX  Account Balance : XXXX $ Date Opened : XX/XX/XXXX Account Name : XXXX BANK Account Balance : XXXX $ Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Balance : XXXX $ Date Opened : XX/XX/XXXX Account Name : XXXX Account Balance : XXXX $ Date Opened : XX/XX/XXXX UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/XXXX i applied for a credit card. At XXXX in applied for an extension of credit from principals account and was denied. I called in after recieving my denial letter. I spoke with XXXX a supervisor inn the credit card dept. at XXXX central on XXXX XXXX concerning my counter offer. I stated I AM coming forth in good faith to excercise all rights by informing XXXX that i am over the age of 18 and do have compacity to contract and I and will perform on all contractual obligations concerning this account. I gave Navy Federal vaulable consderation and i did not recieve any goods in return. This is case of security fraud denying me credits that i have a right to by law as i do have power of authority as a registered owner representative of the Principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: OH

Complaint narrative:
These are the accounts that I have marked as inaccurate. 
XXXX XXXX XXXX- {$170.00} XXXX XXXX- {$270.00} XXXX XXXXXXXX XXXX- {$500.00} XXXX XXXX {$510.00} XXXXXXXX XXXX- {$570.00} XXXX XXXX {$640.00} XXXX XXXX {$750.00} XXXX XXXX- {$1100.00} XXXX {$1100.00} XXXX XXXXl- {$1200.00}

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have received many letters from the court and from a collection company that never did business and through this I have not been able to improve my credit score, Every payment I make is not reflected in my score and they do not give me the opportunity to apply for a loan to improve my economic situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

T

his practice violates the Fair Credit Reporting Act ( CRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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 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, Equifax 's 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 the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am writing to formally file a complaint against Experian Information Solutions , Inc. for violating the Fair Credit Reporting Act ( FCRA ), specifically FCRA Section 604 ( 15 U.S.C. 1681b ) and other relevant provisions related to the mishandling of consumer credit data. 

Upon reviewing my credit report, I discovered that Experian Information Solutions XXXX Inc. accessed and/or sold my personal credit information without my consent or a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ). This unauthorized action has negatively impacted my financial privacy and may have exposed me to potential risks such as identity theft, unsolicited financial offers, or other unauthorized uses of my personal data. 

FCRA Violations Experienced : 1. Unauthorized Sale/Access of My Credit Information Under FCRA Section 604 , consumer reporting agencies are prohibited from selling or sharing credit information without a permissible purpose ( e.g., employment screening, credit applications, insurance underwriting ). I have discovered unauthorized inquiries and/or data sharing related to my credit file, which I did not authorize. 
2. Failure to Conduct Proper Investigations ( FCRA Section 611 15 U.S.C. 1681i ) I disputed inaccurate information with Experian, but instead of conducting a reasonable investigation, the company failed to provide proper documentation or remove the incorrect data, violating my rights under FCRA Section 611. 

According to FCRA Section 604, consumer reporting agencies and third parties may only access or sell consumer reports for specific permissible purposes, such as : Employment screening Credit applications Insurance underwriting Account review by a current creditor I did not authorize or initiate any transaction that would justify this inquiry or data sale. Therefore, I am requesting the CFPB to investigate this matter and take appropriate action for violating my rights under the FCRA.

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 2025-01-28 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: GA

Complaint narrative:
I am filing this complaint against Equifax for failing to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of the information on my credit report. 15 U.S.C. 1681s-2 : Obligation of furnishers to provide accurate information. 15 U.S.C. 1681i ( a ) ( 5 ) : Duty to investigate and remove inaccurate or incomplete information. 15 U.S.C. 1681c ( c ) : Restrictions on reinsertion of previously deleted information without proper notice. I have sent multiple dispute letters to Equifax requesting corrections to inaccurate items on my credit report. However, they have failed to conduct proper investigations and continue to report errors. Additionally, Equifax has not complied with the requirements to provide notice or documentation of their reinvestigations or actions taken regarding my disputes. Recently, I became aware of the CFPB 's lawsuit against XXXX for its failure to properly investigate and resolve consumer disputes. This lawsuit highlights systemic issues in their practices, including improper reinsertion of errors and inadequate dispute investigations, which directly align with my experience. Their actions, or lack thereof, threaten my ability to obtain credit, housing, and employment. I am requesting the CFPB to investigate Equifax 's handling of my disputes and take appropriate action to ensure compliance with federal law. My experience reflects not only non-compliance with the FCRA but also a disregard for consumer protection rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts and inquires on 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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXXJefferson capital Subject : Cease and Desist - Credit Reporting Issue Dear sunrise I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with Jefferson with accounts number XXXX with XXXX Being the creditor. I never had XXXX XXXXI believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. I never owned a sprint account. Please provide written confirmation of your findings within 30 days. Failure to comply with this request may result in further action to protect my rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation