vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am trying to purchase a vehicle. I wanted to unlock my credit freeze. I was able to get 2 of 3 agencies to unlock the freezes except TransUnion. I spoke with 3 representatives over the course of 2 hours. The security questions they asked me did not match any current or previous addresses or know acquaintances. I informed them that I had my pin but I was informed that they no longer used pins. I spoke with a supervisor but he asked the same security questions over and over. I asked for a USA number rather than one that directed me to XXXX. He informed me that all calls would direct me to that country. He informed me to call back in 24 hours and try again. I asked him if the security questions would be the same but he kept telling me to call back in 24 hours. I received the same reply when I asked for further assistance. Needless to say, I am at an impasse. I searched the web and other individuals have commented on not being able to lift their freezes even though they have accounts. I would appreciate any help and contact with me that you can offer. I appreciate your time and efforts regarding this matter. 
Regards 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 2025-02-17 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: MA

Complaint narrative:
To whom it may concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct reasonable investigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable investigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to there requirements constitutes a violation of federal law.

I hereby request that Experian : 1 ) Conduct a thorough investigation of the following disputed accounts or items. 
- My student loans - Credit Card Statements 2 ) Provide me with all documentation used to verify the accuracy of the disputed information.

3 ) DELETE any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I do expect written confirmation of any changes made to my credit file. 

Attached will be my documentation, verifying who I am, including my ID, social security, and utility bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: MA

Complaint narrative:
To whom it may concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct reasonable investigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable investigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to there requirements constitutes a violation of federal law.

I hereby request that Experian : 1 ) Conduct a thorough investigation of the following disputed accounts or items. 
- My student loans - Credit Card Statements 2 ) Provide me with all documentation used to verify the accuracy of the disputed information.

3 ) DELETE any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I do expect written confirmation of any changes made to my credit file. 

Attached will be my documentation, verifying who I am, including my ID, social security, and utility bill.

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 2025-02-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-02-17 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: CA

Complaint narrative:
I am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC 1681b, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the Equifax data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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 filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC 1681b, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the Equifax data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
" In XX/XX/XXXX, the mortgage company sent me a letter confirming that they recognize me as the successor in interest to the property. In XX/XX/XXXX, I contacted the mortgage company and informed them of my intentions to assume and modify the loan in order to bring it current and resolve the situation. Instead of providing guidance or offering any assistance, the representative stated that no action would be taken unless the full amount in arrears was paid. At no point was I informed of any available options, nor was I provided any necessary documents ( such as loss mitigation or loan modification paperwork ) to explore ways to prevent foreclosure. Their failure to inform me of my rights and options as a recognized successor in interest has contributed to the continued foreclosure proceedings. '' They are aggressively pursuing foreclosure proceedings with the sheriff sale date already in place. I have hired lawyers who've been in the process of providing the mortgage company in their legal counsel documents as well as an application for a modification. However Carrington Mortgage did not pause or halt foreclosure procedures during the time that I havw proven to be the successor in interest which they officially acknowledged XX/XX/XXXX Carrington Mortgage has continued to aggressively pursuing the sale of the property without allowing a review of the documents I have provided and continue to provide at this time. The probate lawyer caused a huge delay by not properly adding me to the deed as the personal representative which has also impacted the process just prior to XXXX which did not help matters. 
" In addition to the aggressive pursuit of the foreclosure and sheriff sale, I have also been subjected to harassment from individuals coming to my home regarding the property. Due to the public nature of the foreclosure proceedings, people have approached my door, disturbing my peace and causing undue stress. This has created a situation where I feel personally harassed and intruded upon, further exacerbating the emotional toll this process has taken on me. I am requesting that these harassment instances be considered as part of my complaint, as they are directly tied to the ongoing foreclosure actions. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block. Inc ) due to inadequate customer service and unfair practices, which violate the CFPA. Specifically, Cash app failed to take timely and effective measures to prevent and address Frau don their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they do not comply with error resolution requirements under the EFTA and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
The bureaus are not responding to me so please give them what I am requesting for an immediate response. I need a thorough investigation done. 

I am writing to formally dispute inaccuracies found on my credit report. Upon a thorough review of my personal credit file, I have identified several discrepancies that I believe are unjustly affecting my creditworthiness and, consequently, my ability to secure homeownership. Given the current economic challenges, it is imperative that my credit report accurately reflects my financial history without the detriment of errors. In accordance with the Fair Credit Reporting Act, I understand that your agency is obligated to investigate these disputes within a thirty-day period following the receipt of this letter.

I respectfully request that your agency undertake a diligent investigation into these matters and remove the incorrect information from my credit report. The presence of these inaccuracies is not only misleading but also has a significant negative impact on my credit score, thereby hindering my financial opportunities. I am fully aware of the economic difficulties our society is currently facing, and it is under these circumstances that I can not afford to have my creditworthiness compromised by errors. Therefore, I anticipate your cooperation in rectifying these discrepancies and look forward to receiving an updated copy of my credit report reflecting the necessary corrections within the stipulated thirty-day timeframe. Please find my personal details below to assist in the prompt resolution of this dispute : I trust that you will address this matter with the urgency and thoroughness it requires. Thank you in advance for your prompt attention to these issues and for your assistance in ensuring the accuracy of my credit information.

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 2025-02-17 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: FL

Complaint narrative:
In XX/XX/year>, I requested information about enrolling at XXXX XXXX XXXX  and subsequently applied to enroll in two classes. During the application process, I was offered a student loan to cover the cost of the classes. I accepted the loan and enrolled. However, after attending the first few days of class, I quickly realized that my full-time job would not allow me to dedicate the necessary time and attention to meet the demands of the coursework. The workload was overwhelming and unmanageable given my other responsibilities.

I immediately reached out to my counselor, both by phone and email, to request withdrawal from the classes. Despite my repeated requests, the counselor urged me to continue. I firmly explained that I did not have the time to successfully complete the course requirements. 

Several months later, I began receiving payment notices, and to my dismay, I recently discovered that my credit has been negatively impacted due to this " student debt. ''

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 2025-02-17 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:
In XX/XX/year>, I requested information about enrolling at XXXX XXXX XXXX  and subsequently applied to enroll in two classes. During the application process, I was offered a student loan to cover the cost of the classes. I accepted the loan and enrolled. However, after attending the first few days of class, I quickly realized that my full-time job would not allow me to dedicate the necessary time and attention to meet the demands of the coursework. The workload was overwhelming and unmanageable given my other responsibilities.

I immediately reached out to my counselor, both by phone and email, to request withdrawal from the classes. Despite my repeated requests, the counselor urged me to continue. I firmly explained that I did not have the time to successfully complete the course requirements. 

Several months later, I began receiving payment notices, and to my dismay, I recently discovered that my credit has been negatively impacted due to this " student debt. ''

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 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/XXXX after losing my card charges started coming in from VT. I live in RI. I did not make these purchases. The denial reasons said someone used my pin, which is absolutely no way. The transactions could not have required a pin because I lost my card but never provided my pin to anyone. None of these transactions were authorized totaling {$200.00}. I did not make these purchases and I want my money back.

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 monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I had a personal checking account that I kept a large balance in ( usually $ XXXX ). The bank recommend I open a money market savings account at 4 % interest to keep most of the money and then just transfer over to the checking account when I need money to pay bills. So, I did that last XXXX. I opened a account with {$37000.00}. The balance has been as high as {$87000.00}. But when I got my statement, I was not getting the 4 % interest. I was getting XX/XX/year> of 1 % like a regular checking account. I went to the bank and was told they would correct it. It now has been over 7 months and it is still not corrected. I ask every month and they tell me they are working on it. I calculate I am owed somewhere between $ XXXX {$2000.00}. That is a lot for a retired senior living on social security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Hi there, This company is not legally allowed in the state of XXXX  to collect any form of debt, where I reside. 
I requested to live in the XXXX  in XXXX XXXX, had a possible cancel of terms when I had family issues arise. They told me I was not able to cancel so I told them that's okay I would continue with the lease, then they took my apartment from under me and re rented it and still tried to charge me for a balance when they rerented it out.

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