vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My present address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX id not my 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 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: Experian Information Solutions Inc.
State: TX

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 2025-01-31 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: NY

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account with CKS Prime Investments that remains on my credit report despite an agreement for its removal upon payment. 

The account was originally opened in XX/XX/XXXX with a balance of {$1500.00}. During this time, I was unemployed due to the COVID-19 pandemic, which significantly impacted my financial situation. Despite these challenges, I worked to settle my outstanding debts and entered into an agreement with CKS Prime Investments for a pay for delete arrangement. Under this agreement, upon full payment, they assured me that the collection account would be removed from my credit report. 

I fully paid the account in XX/XX/XXXX, yet the account still appears on my credit report, negatively affecting my credit score. I have made multiple attempts to contact CKS Prime Investments to resolve this issue, but they have failed to uphold their agreement.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app, never had some one to call incase a improper payment, or withdrawn was made, with or without your permission. No one responded, and I have lost hundreds through this app.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of this account. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the account listed on my credit report : XXXX XXXX XXXX : {$350000.00}

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of this account. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the account listed on my credit report : XXXX XXXX XXXX : {$350000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: NC

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to [ CRA Name ] under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.

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: GA

Complaint narrative:
The payment history section on this account is listed as late and I never been late on this account. Please update inaccurate information.i need to see all bank transactions and statements that belongs to this company that would prove my payments were not excepted on time or you need to remove. these unverified late payments 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 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 — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Formal Demand to Validate Unauthorized Credit Inquiry I am writing to address a credit inquiry from your company dated XX/XX/year> on my credit report. I do not recognize this inquiry, nor have I authorized Ally Financi to access my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681b, you are required to have permissible purpose before obtaining my consumer credit report. Which I did NOT provide.

Under the Fair Credit Reporting Act ( FCRA ), you are l
egally required to provide proof that you had a permissible purpose to obtain my credit information. I demand that you provide the following documentation immediately : 1. Proof of my explicit authorization for this inquiry, including any signed agreements or consent forms bearing the Ally Financi name.

2. A detailed explanation of the purpose of the inquiry and the basis on which it was made to Ally Financi.

3. The name and contact information of the individual or department within Ally Financi responsible for initiating this inquiry. 

If you can not provide the requested documentation proving that this inquiry was legally authorized, you must take immediate steps to : Remove the inquiry from my credit file. 
Notify all credit reporting agencies of the correction. 
Confirm in writing that these actions have been completed. 

Failing to respond to this request or refusing to provide proper validation will result in formal complaint being filed to the State Attorney Generals office and the Federal Trade Commission ( FTC ), and potentially pursue legal action for violations of my consumer rights. This unauthorized inquiry has damaged my creditworthiness and constitutes a serious breach of federal law. I expect your response within 15 calendar days of receipt of this letter. Ignoring this matter will only escalate the issue further. Consider this my final attempt to resolve this issue directly with your company before taking legal and regulatory action.

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: SC

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to [ CRA Name ] under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.

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: SC

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to [ CRA Name ] under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXXXX/XX/year> ) ( Collection )

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive reviewed a copy of my credit report and noticed a fraudulent account on my report. please remove this account from my report as its holding me back from obtaining a good credit. thank you Account name - XXXX XXXX XXXX Account number - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I told cashapp that money kept coming outta my account multiple times and they never investigated it and never gave my money back then cashapp started taking money and putting my account in the the negative a XXXX and no matter how many times I pay it they take it and do it again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
My Account closed on me out of no where. I didnt do anything illegal or suspicious it just stopped all activity for me using the app.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-01-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1400.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$470.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX # XXXX XXXXXX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX # XXXX  XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$11000.00} XXXX # XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$780.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX Balance Owed : {$11000.00}

Company response to consumer: Closed with non-monetary relief