vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name was in a data breach so under law 15 USC 1681 I need all items on my credit report that have a negative affect on my credit report in a negative manner removed in 30 days. Because my right privacy has been violated due to the data breach my information was stolen.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name was in a data breach so under law 15 USC 1681 I need all items on my credit report that have a negative affect on my credit report in a negative manner removed in 30 days. Because my right privacy has been violated due to the data breach my information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX Account # XXXX Open XX/XX/year> Creditor creating negative remarks of ( 3 ) late payments on my credit report and not properly following Credit consumer laws 15 USC 1666 ( b ) and 15 USC 1637 they are not following proper practices of consumer laws

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX Account # XXXX Open XX/XX/year> Creditor creating negative remarks of ( 3 ) late payments on my credit report and not properly following Credit consumer laws 15 USC 1666 ( b ) and 15 USC 1637 they are not following proper practices of consumer laws

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-01-30 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: PA

Complaint narrative:
This morning, I found out that my credit report contains incorrect accounts, and I don't understand why. I routinely check my report, but this time, I noticed discrepancies that werent there before. Hoping it was just a browser issue, I refreshed the page, but the errors didnt disappear. Due to this concern, I am asking for a careful review of the documents I submitted to ensure I wont have to deal with this problem again.

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 2025-01-30 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: GA

Complaint narrative:
, the Consumer Financial Protection Bureau ( CFPB ) announced that it had taken action against Equifax for systemic failures in investigating consumer disputes, reinserting inaccurate information into credit reports, and using flawed processes that resulted in inaccurate consumer data. These actions demonstrate a pattern of non-compliance with the FCRA, which further undermines the validity of your response to my dispute. Equifax and XXXX must conduct a thorough, independent investigation without blindly accepting unverifiable claims from the furnisher. Resolution Demanded Given the clear violations of my rights and the failure to properly investigate this matter, I am demanding the following actions within 4 calendar days from the receipt of this letter : Immediate Deletion of the Disputed Account : If Equifax and XXXX can not provide documentation verifying the accuracy and ownership of the account, it must be deleted immediately as required by 15 U.S.C. 1681i ( a ) ( 5 ). Removal of Hard Inquiries : Any hard inquiries associated with this account, including those initiated without permissible purpose, must also be removed. Provision of Documentation : If Equifax and XXXX insists on continuing to report this account, I demand that you provide : The specific documents used to verify the account. The identity of the individual or entity who verified the account. A detailed description of the methods used during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Incorrect Account Type and Reporting Issues The account is listed as a " Loan, '' but XXXX is not a financial institution that issues loans. This misclassification misrepresents the nature of the account and violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Placed for Collection Without Proper Verification The remarks indicate that the account was " Placed for collection '' and " Disputed by consumer, '' yet no validation of debt has been provided. Reporting unverified collection accounts violates 15 U.S.C. 1692g.

Missing Payment Information and Status Discrepancies The account shows no reported payments but lists a balance of {$620.00}, implying missing or inaccurate payment history. This lack of reporting clarity impacts my creditworthiness unfairly. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
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 explanation
Consumer complaint received 2025-01-31 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 XXXX XXXX is failing to throughly investigate my complaints about the third party companies violating my consumer right. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX each consumer committed identity theft under 15 USC 1681a ( q ) The FCRA defines identity theft as a fraud committed using the identifying information of another person.

When the alleged original credit sold your information without your expressed approval or knowledge that was " a fraud '' which makes the whole thing identify theft.

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 2025-01-30 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: PA

Complaint narrative:
I am writing to formally dispute a late payment that has been reported on my credit file. After reviewing my credit report, I noticed an inaccurate late payment listed on my account that I believe is incorrect. I have reviewed my payment records and I believe this reported late payment is an error.

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 2025-01-31 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: CA

Complaint narrative:
Im reaching out to dispute a fraudulent credit inquiry on my report that was never made by me. This inquiry is not authorized and is a clear case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
Experian, is reporting several fraudulent XXXX accounts on my credit. These creditors never reported late or current payments on my credit report. Up to recently these accounts begin to appear on my credit report. I would like these account blocked and removed from my credit 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 explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
I am writing to file a formal complaint against Transunion for violations of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>. I sent a letter to Transunion requesting an investigation into the completeness and accuracy of the following account : Account Name : XXXX XXXX Account Number : XXXX 1. Despite my request for investigation, Transunion failed to take appropriate action as mandated by the FCRA. Specifically, Transunion neglected to comply with the following provisions : 2. Violation of 15 USC 1681i ( 5 ) : Transunion failed to promptly delete or modify inaccurate or unverifiable information from my credit file, as required by law. Despite the dispute, Transunion affirmed the accuracy of the disputed information without conducting a proper reinvestigation.

3. Violation of 15 USC 1681s-2 : Transunion unlawfully furnished information to consumer reporting agencies, knowing or having reasonable cause to believe that the information provided was inaccurate. 
4. Violation of 15 USC 1681i ( 7 ) : Transunion failed to provide me with a description of the reinvestigation procedure within 15 days of my request, as mandated by law.

1. In light of these violations, I am seeking the following remedies : Prompt deletion of inaccurate information from my credit file.

Notification to the furnisher of the inaccurate information regarding the modifications made to my credit file.

A detailed description of the reinvestigation procedure conducted by Transunion. 

I have enclosed copies of all relevant correspondence and documentation related to this matter for your review. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against TransUnion for their violations of the Fair Credit Reporting Act. 

Thank you for your attention to this matter 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are 3 inquiries on my report that are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I reached out to both the companies and the experian to have there items removed. Someone name XXXX from the fraud department at experian said that these items can't be removed and wont tell me the reason why. According to the fair credit reporting act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I entered into an auto loan agreement with XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/year>, with a fixed monthly payment of {$960.00} for 71 months. However, XXXX has been incorrectly reporting my monthly payment as {$1000.00}, which is a clear violation of my contract. 

Additionally, XXXX falsely reported a late payment on my credit report, despite my account being in good standing. I have maintained continuous insurance coverage, meaning there is no valid reason for any increased charges or lender-placed insurance fees. 

Actions Taken : I disputed the incorrect information with XXXX, requesting correction. 
XXXX wrongfully verified the false payment amount and late payment instead of correcting the issue. 
I submitted a dispute with credit bureaus ( XXXX, TransUnion, XXXX ), but XXXX continued to verify the incorrect information. 
I sent a formal demand letter to XXXX requesting immediate correction, but no resolution was provided. 
Why This is a Violation : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 : Prohibits furnishing inaccurate information to credit bureaus.

California Consumer Credit Reporting Agencies Act ( CCCRAA ) Cal. Civ. Code 1785.25 : Requires accurate and truthful credit reporting.

California Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) Cal. Civ. Code 1788 : Prohibits deceptive practices in loan servicing.

I am requesting immediate investigation and correction. If not resolved, I will consider further legal action for damages caused by this incorrect reporting.

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 2025-01-31 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: CA

Complaint narrative:
I entered into an auto loan agreement with XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/year>, with a fixed monthly payment of {$960.00} for 71 months. However, XXXX has been incorrectly reporting my monthly payment as {$1000.00}, which is a clear violation of my contract. 

Additionally, XXXX falsely reported a late payment on my credit report, despite my account being in good standing. I have maintained continuous insurance coverage, meaning there is no valid reason for any increased charges or lender-placed insurance fees. 

Actions Taken : I disputed the incorrect information with XXXX, requesting correction. 
XXXX wrongfully verified the false payment amount and late payment instead of correcting the issue. 
I submitted a dispute with credit bureaus ( XXXX, XXXX, Equifax ), but XXXX continued to verify the incorrect information. 
I sent a formal demand letter to XXXX requesting immediate correction, but no resolution was provided.

Why This is a Violation : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 : Prohibits furnishing inaccurate information to credit bureaus.

California Consumer Credit Reporting Agencies Act ( CCCRAA ) Cal. Civ. Code 1785.25 : Requires accurate and truthful credit reporting.

California Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) Cal. Civ. Code 1788 : Prohibits deceptive practices in loan servicing. 

I am requesting immediate investigation and correction. If not resolved, I will consider further legal action for damages caused by this incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-01-30 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-31 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: U.S. BANCORP
State: AZ

Complaint narrative:
XXXX XXXX reported negative on my credit report and I requesting it be removed.

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