vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

TransUnion : Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$250.00} ) Has violated my rights. 

15 U.S.C. 1681 Section 602 A. states that 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 an account without my written instructions.

15 U.S.C. 1681 C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items 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 non-monetary relief
Consumer complaint received 2025-02-16 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: TN

Complaint narrative:
XXXX sold their accounts to this incompetent company. It has been nothing but a nightmare since. The first month, they sent me a statement saying what my payment would be with them. All that looked great, at first. Then shortly after I started receiving phone calls saying my account was behind. How could my account be behind when I havent even had my first due date yet??? I asked many times what the issue was and no one could answer my questions. Just that they can only see what was sent from tally I NEVER missed a payment with XXXX. In fact, I dont have any missed payments on credit report. So I paid a normal payment to them just to get them to leave me alone. Then again, a few days later Im getting calls saying XXXX XXXX something behind with them. AGAIN, how am I behind when I just got transferred to you all and I have already made a payment??? So I talked to probably about XXXX people asking what the deal was, no one could answer me. XXXX time I would get on a call and they said oh your account is fine then another person would say oh its behind but couldnt explain why. I started to question the legitimacy of this company and was very weary of giving them anymore money. Especially when they couldnt explain what they had on file of why I was behind with XXXX. When I never was!! A week ago, they reported a late payment on my credit report!!! I called them, outraged. Asked to speak to a supervisor and stayed on hold for XXXX minutes. I finally talked to someone and he was very rude at first. I paid them literally almost XXXX dollars just to shut them up about the money I owed which I didnt. I explained the full situation to him, he finally seemed to care a little and said he would take the extra step and send my information to the credit dispute department. And to call back in a few days, I did that and then called a few days later. They said oh call back in another few days it STILL has not been fixed and they are rejecting my dispute. If this does not fix my problem, I will be contacting an attorney. They should not be able to report me as late, WHEN THEY CANT EVEN FULLY EXPLAIN WHAT XXXX FALSELY REPORTED TO THEM APPARENTLY. funny how I never had this issue with XXXX. This company has TERRIBLE reviews across the board and every person you get on the line can barely speak English and is rude from the get go. Something needs to be done about this scam of a company. I want this FALSELY REPORTED information off my credit IMMEDIATELY!!!!

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 2025-02-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/2025 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dispute of Inaccurate Information Request for Investigation Under the FCRA Dear Experian Credit Services I am writing to formally dispute the accuracy of certain information in my credit report. The items I am disputing are listed below : Item XXXX XXXX XXXX  Account Number : XXXX Item XXXX : XXXX XXXX  account number : XXXX Item XXXX XXXX XXXX  Account number : XXXX Item XXXX XXXX XXXX XXXX XXXXccount XXXX XXXX XXXX Item XXXX : XXXX  XXXX, Account number XXXX XXXX Item XXXX XXXX XXXX XXXX, Account number : XXXX XXXX XXXX : XXXX  XXXX. 
Account number : XXXX Item XXXX : XXXX, Account number : XXXX Item XXXX XXXX XXXX Account number : XXXX Item XXXXXXXX XXXX XXXX XXXX Account number : XXXX Item XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these matters. In addition to the investigation requirements under 15 U.S.C. 1681i, please be advised that consumer reporting agencies are mandated to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S.C. 1681o ). Failure to adhere to these requirements may result in civil liability.

Specifically, I request that you : Conduct a prompt, full, and fair reinvestigation of the disputed items.

Delete or correct any information that is found to be inaccurate, incomplete, or unverifiable. 
Provide me with written confirmation of the investigations results along with an updated copy of my credit report. 
I respectfully ask that you complete your investigation within the 30-day period required by the FCRA and provide me with a detailed explanation of your findings. If my dispute is not resolved to my satisfaction, I reserve the right to pursue any and all legal remedies available under the FCRA for any damages resulting from non-compliance with these statutory requirements. 

Please send all correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, 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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: CA

Complaint narrative:
hi, i was a victim of identity theft and some one open credit cards and bank accounts with my information I got a police report and ben disputing this fraudulent accounts with the credit bureaus most of this accounts have ben deleted but a few like this one the bank keep send in it as accurate I don't understand why? the person that open this account hade a diferent address and phone number that mine and that's why I'm disputing it here to finally have this fraudulent account removed from my report. thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
hi, i was a victim of identity theft and some one open credit cards and bank accounts with my information I got a police report and ben disputing this fraudulent accounts with the credit bureaus most of this accounts have ben deleted but a few keep coming back as accurate I don't understand why? the person that open this account hade a diferent address and phone number that mine and that's why I'm disputing it here to finally have this fraudulent account removed from my report. thank you. XXXX XXXX XXXX XXXX XXXX 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 2025-02-16 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: CA

Complaint narrative:
hi, i was a victim of identity theft and some one open credit cards and bank accounts with my information I got a police report and ben disputing this fraudulent accounts with the credit bureaus most of this accounts have ben deleted but a few keep coming back as accurate I don't understand why? the person that open this account hade a diferent address and phone number that mine and that's why I'm disputing it here to finally have this fraudulent account removed from my report. thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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:
hi, i was a victim of identity theft and some one open credit cards and bank accounts with my information I got a police report and ben disputing this fraudulent accounts with the credit bureaus most of this accounts have ben deleted but a few keep coming back as accurate I don't understand why? the person that open this account hade a diferent address and phone number that mine and that's why I'm disputing it here to finally have this fraudulent account removed from my report. thank you. XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-16 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: IN

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> needs to be removed from my credit report immediately because it's fraudulent and inaccurate information that's violating my consumer rights I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to 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 2025-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX XXXX XX/XX/year> credit collection service XXXX XXXX XXXX XXXX XXXX Ma XXXX XXXX Cease and Desist Incorrect Debt Collection** Dear Credit collection service I am writing to formally request that you cease all communication with me regarding the debt account number XXXX I do not owe this debt, and any attempts to collect it are mistaken. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I demand that you immediately stop all communication with me, including phone calls, letters, and any other form of contact. Additionally, I demand that you cease reporting this debt to any credit bureaus. Any further attempts to collect this debt or report it to credit bureaus will be considered harassment and a violation of the FDCPA. Please be advised that it is illegal to purchase debt without my consent [ A ]. Pursuant to the FDCPA, specifically 15 U.S.C. 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. **Case Law References : ** 1. *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case highlights the obligations of consumer reporting agencies to reinvestigate disputed information and the potential liability for failing to do so. XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX This case clarifies that debt collectors must cease collection activities if a consumer disputes the debt and requests verification. XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : The U.S. Supreme Court held that businesses that buy and own the debts they are trying to collect are not considered debt collectors under the FDCPA [ B ] If you do not comply with this request, I will report your actions to the Consumer Financial Protection Bureau ( CFPB ) and consider pursuing legal remedies. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
Whom It May Concern, I am writing to formally dispute the collection account listed on my credit report for XXXX XXXX XXXX. I have never entered into any contract or agreement with XXXX XXXX XXXX. Under contract law, for any obligation to exist there must be a legally binding agreement between both parties, which in this case does not exist. 

In addition, I request that XXXX XXXX XXXX provide full validation of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ). This includes providing a copy of any original contract bearing my wet-ink signature that legally obligates me to this debt. Absent such evidence, I maintain that XXXX XXXX XXXX has no legal right to report this account on my credit file. 

Below is the contact information for XXXX XXXX XXXX as listed in my records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate this dispute within 30 days and remove the account if proper documentation is not provided. Please send all correspondence regarding this dispute to my address listed above. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-02-16 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I received a call from XXXX, a number identified as Chase Bank ( and while I was listening I verified through a XXXX search that it was indeed a Chase number ). I was told my checking account had been compromised and it would be necessary for me to follow instructions to void two transactions. Being preoccupied with my job at the time, but feeling assured it was a call from Chase, I followed directions and transferred {$1200.00} to XXXX. I was told to type the word Void and then transfer another {$280.00}. Once I did this, the caller hung up and I realized I had been scammed. My account then showed a XXXX balance. Within half an hour, I called Chase customer service to file a claim/complaint, as well as speaking to my local Chase bank manger in person. Chase opened a claim. It was denied because they said I willingly authorized the XXXX transfers. I feel Chase should reimburse me because in a XXXX search I found that for over 15 years other consumers have mentioned this same Chase number had scammed them. ( if needed I can provide a list of sites in support ) Chase is not accepting any responsibility and have never notified their customers to be aware their number was being used by scammers. In addition, Chase did nothing to address the issue of the bogus phone number.

Company response to consumer: Closed with explanation