vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Credit bureau did an investigation adv that the information came from lender etc. based on the letter sent from count they do not report to credit bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance to XXXX XXXX Code XXXX titled Definitions Rules of Construction ; paragraph XXXX of this title is titled exclusions and Sub paragraph A Subsection I state that transaction are not included in the Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Purchased an add-on with my loan. When I requested to put in a claim for the few months I was out of work, I was told it wasn't covered. It was XXXX insurance and I had a temp XXXX. No explanation why just that it didn't cover it. When I asked to cancel the add on for my {$900.00}? charge for it, they never did and it's still not removed and credited to me. In the last 2 months, I received over XXXX calls from an agent in their office and robocalls from multiple different numbers. They start to call before their grace period ends. I've told them multiple times to stop calling me, I know it's due and I'm paying it and they still call even that same day they were told.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I need American Express to delete the incorrect balance they have in my account because that debt was settled several years ago, to remove the negative under law 15 USC 1681 civil liability for unfulfilled negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The address reporting on my credit file is incorrect and I want it removed immediately. I am attaching my current and only 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The address reporting on my credit file is incorrect and I want it removed immediately. I am attaching my current and only address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : TransUnion Failed to Provide Verification Proof FCRA Violation I submitted a dispute to TransUnion requesting verification of several negative accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 6 ), the credit bureau is required to provide the method of verification used to confirm the disputed accounts.

However, instead of providing actual documentation or proof of verification, TransUnion only sent me a generic response stating that the accounts were verified without including any supporting evidence.

I am requesting the CFPB to investigate TransUnion 's failure to comply with the FCRA and require them to : 1. Provide concrete proof of how they verified these accounts.

2. Delete these accounts from my report if they can not provide evidence.

3. Ensure compliance with the 15 U.S.C. 1681i ( a ) ( 6 ) provision of the FCRA regarding method of verification.

I have attached the four-page response from TransUnion to prove that they failed to provide the required verification documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 Regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXXXXXX 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 2025-03-08 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: TX

Complaint narrative:
I was enrolled in the hardship program due to XXXX. I was told by the associate when I enroll and pay the initial {$25.00}, my account would be brought current. The {$25.00} dollars payment would continue for 6 months for me to come to the orginal terms. I enrolled before the account was 30 days late in XXXX. In XXXX I made the {$25.00} payment and cleared the payments due that were included in the hardship program. Even though I made the payment XXXX posted the payment in XXXX. XXXX is now reporting me 60 days late, even though I paid off the amount due in the agreement. 

This is the second time XXXX turns around on the agreement. My account being current was a condition of the intial payment and me enrolling in the program. XXXX now says their employee is wrong and that their policies are on the website. If they are not going to honor the recorded agreement that was made as a condition of my payment, my payment needs to be returned and the agreement is null and void. Now I paid the full amount pending in the hardship under the same agreement and even thought it is paid, they are still claiming I am 60 days late. 

XXXXXXXX XXXX is abusing the credit bureau with false reporting and inventing rules as they go along. They make agreements, which they break. The XXXX XXXX  own website shows I am current, yet they continue to report me 60 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im writing to bring your attention to a credit inquiry on my report that I did not authorize, and it clearly has no permissible purpose. Im not sure how this inquiry was made, but I want to make it clear that I never gave permission for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Consumer Financial Protection Bureau Subject : Dispute of Incorrect Charge-Off Reporting and Missing 1099-C Form To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report by Apple Card/Goldman Sachs Bank USA . Specifically, the company has inaccurately reported a " charge-off '' for some months in XXXX, some months in XXXX, and every month in XXXX, even though this account was charged off only once. This is a misrepresentation of the actual status of the account and constitutes an error under the Fair Credit Reporting Act ( FCRA ).

Additionally, I have never received a 1099-C form after the account was written off, which is a legal requirement when a creditor cancels a debt of {$600.00} or more. The failure to issue this form further indicates improper handling of the account and its reporting. 

Due to these discrepancies, I request the immediate removal of the inaccurate charge-off entries from my credit report and a correction of all related records. Please investigate this matter and provide a resolution as soon as possible. 

I appreciate your prompt attention to this matter and look forward to your response. Please provide me with written confirmation of the actions taken regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/year>XXXX XXXX filed a complaint that I was unable to freeze my credit on their dysfunctional website. They need to replace their IT people with competent individuals who can write a program. 

In XXXX Transunion sent me a very detailed copy of my credit report. THIS HAD NOTHING TO DO WITH THE NATURE OF MY COMPLAINT. No response to the subject of my credit report, freezing credit, has ever been addressed. 

Since credit reporting and the availability of credit is so important to our modern economic system in the USA, I believe Transunion should be required to shutter their doors until they can provide the range of services necessary to consumers in the current economy. Their inappropriate response to my initial complaint was a waste of time and resources. And they still have a dissatisfied customer who wants an appropriate response. How do consumers put this company which is stuck in the XXXX out of business?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have requested the Experian, Transunion and Equifax Validate and Verify that all information is correct and accurate on my credit report. They have not sent me the requested information to show that they investigated and found everything reported to be accurate. I have written them on XXXX different occasions with no response or changes made to my credit report. I have requested proof bearing my signature that the accounts belong to me. Removal of inaccurate addresses and employments listed that are incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have requested the Experian, Transunion and Equifax Validate and Verify that all information is correct and accurate on my credit report. They have not sent me the requested information to show that they investigated and found everything reported to be accurate. I have written them on XXXX different occasions with no response or changes made to my credit report. I have requested proof bearing my signature that the accounts belong to me. Removal of inaccurate addresses and employments listed that are incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Dear National Credit Systems, I am writing to formally request that you cease and desist all communications and collection activities regarding the alleged debt referenced by account number XXXX, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop all communication with me regarding this matter. As of today, I am requesting that all phone calls, letters, emails, or any other form of communication cease immediately. Furthermore, I request that you no longer attempt to collect the debt from me or report this alleged debt to any credit reporting agency. If you continue to pursue this debt after receiving this notice, I will not hesitate to take further legal action to protect my rights. Please take note that this letter is a formal demand under the FDCPA. Any continued communication or collection attempts will be regarded as a violation of my rights, and I will consider pursuing all available legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking legal recourse. This request is made with the understanding that if you have any valid claim against me, you may pursue it through the courts, but I expect that you will comply with my legal rights as outlined in the FDCPA.

Company response to consumer: Closed with explanation