vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thak you. 

XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian 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 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 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 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 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 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 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 2025-02-17 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: TX

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

Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian Consumer Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Sham Investigations and Reinserted Inaccurate Information Dear Sir/Madam, I am writing to formally dispute the handling of my credit report by Experian, following the recent allegations filed by the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX According to the CFPB 's lawsuit, Experian has been involved in conducting " sham investigations '' when consumers disputed errors on their credit reports, which contradicts the reasonable investigation standards outlined by the Fair Credit Reporting Act ( FCRA ). 

I am deeply concerned that my own credit report may have been mishandled in a similar manner, and that inaccurate information may have been either reinserted or left unaddressed as a result of inadequate investigations.

In light of this, I am requesting that Experian : Reinvestigate all inaccuracies on my credit report with the appropriate due diligence required under the FCRA. Any outdated or incorrect information must be corrected in accordance with the law.

Provide a full, written explanation of the results of any past investigations into disputes I have filed, including details of the methods used in verifying the accuracy of the reported information.

Remove any inaccurate or incomplete information that may have been wrongfully reinserted after being successfully disputed in previous investigations. 
I trust Experian will handle my dispute in full compliance with the Fair Credit Reporting Act and will ensure that any errors are resolved swiftly and accurately. Please confirm receipt of this letter and provide me with a detailed response outlining the steps taken to investigate and correct any issues related to my credit report. 

Thank you for your attention to this matter. I expect a prompt resolution, and I look forward to your response within the timeframes prescribed by the FCRA. 

Sincerely, XXXX XXXX XX/XX/XXXX Last XXXX SS # XXXX [ Your Experian Report Reference Number # XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian Consumer Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Sham Investigations and Reinserted Inaccurate Information Dear Sir/Madam, I am writing to formally dispute the handling of my credit report by Experian, following the recent allegations filed by the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX According to the CFPB 's lawsuit, Experian has been involved in conducting " sham investigations '' when consumers disputed errors on their credit reports, which contradicts the reasonable investigation standards outlined by the Fair Credit Reporting Act ( FCRA ). 

I am deeply concerned that my own credit report may have been mishandled in a similar manner, and that inaccurate information may have been either reinserted or left unaddressed as a result of inadequate investigations.

In light of this, I am requesting that Experian : Reinvestigate all inaccuracies on my credit report with the appropriate due diligence required under the FCRA. Any outdated or incorrect information must be corrected in accordance with the law.

Provide a full, written explanation of the results of any past investigations into disputes I have filed, including details of the methods used in verifying the accuracy of the reported information.

Remove any inaccurate or incomplete information that may have been wrongfully reinserted after being successfully disputed in previous investigations. 
I trust Experian will handle my dispute in full compliance with the Fair Credit Reporting Act and will ensure that any errors are resolved swiftly and accurately. Please confirm receipt of this letter and provide me with a detailed response outlining the steps taken to investigate and correct any issues related to my credit report. 

Thank you for your attention to this matter. I expect a prompt resolution, and I look forward to your response within the timeframes prescribed by the FCRA. 

Sincerely, XXXX XXXX XX/XX/XXXX Last XXXX SS # XXXX [ Your Experian Report Reference Number # 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: NV

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
XXXX XXXXXXXX XXXX XXXXXXXX

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 fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Over a number of weeks, the TransUnion website has redirect the fraud alert page to a temporary error page. This page is obviously not temporary. 

I've tried to work through this both via chat and over the phone but i can never actually submit my fraud alert.

I have now received two letters in the mail stating that the credit card application was declined- which I never submitted. 

Both of these are going through transunion but i have no way to stop the thief or to place a fraud alert on my file with them.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
In addition to the financial loss from the unauthorized transaction, this situation has caused significant emotional distress and financial hardship. The lack of support and failure to resolve my dispute have led to anxiety, frustration, and distress. I have spent countless hours contacting Cash App support, filing complaints, and dealing with uncertainty over my lost funds, only to receive inadequate assistance. The unauthorized transaction left me unable to cover essential expenses, forcing me to borrow money and delay important payments, adding to my financial strain. I trusted Cash App to protect my funds, but their refusal to take accountability for unauthorized transactions has only made things worse. I am requesting a full refund of the unauthorized transaction, along with additional compensation for pain and suffering caused by their negligence. Cash App must be held accountable for failing to protect its users from fraud and financial harm.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
When I was checking my credit report I noticed there were inquiries that did not belong to me.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I spoke with a representative by phone from TDBank. I requested that they refund me each {$5.00} maintenance fee charge since my account inception. The representative couldn't answer when my account was open, denied my request for fees back even though they have ne in the wrong account type and would not let me speak to a supervisor even though I asked at least 4 times. I spent 27 minutes on the phone and accomplished nothing

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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I've marked inaccurate : DEPT OF EDUCATION/NELN and US DEPT OF EDXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Having issues that refuse to help to remove the error information that they have on my report XXXX and XXXX have late payments that inaccurate that I would like to know as hard over the phone to dispute the item that I would like to remove from my report and also sending in dispute. They dont reply on time nor wan na communicate with you. Its very complicated and I would like to get my credit reporting fixed. 
But this one is mainly for XXXX first I would like to request XXXX to remove the late payment that has on my report which is inaccurate and I request XXXX times to remove and they refuse to work with me or accept any of my disputing They dont provide me enough information why my information is not fixed or why the dispute is not have enough information. The reason why its not removed.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, has violated my rights. I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.

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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I agreed to settle my account with XXXX XXXX XXXX for the amount of {$770.00} through their third party debt collection agency and it was agreed upon payment the my account would be marked as settled and removed from my credit report with all three bureaus.. But upon my further investigation Ive noticed that the debt still has a balance and has not been removed from my credit report.. This is unfair and needs to be addressed immediately because that was the last funds to pay my 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: 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: IN

Complaint narrative:
I agreed to settle my account with XXXX XXXX XXXX  for the amount of {$770.00} through their third party debt collection agency and it was agreed upon payment the my account would be marked as settled and removed from my credit report with all three bureaus.. But upon my further investigation Ive noticed that the debt still has a balance and has not been removed from my credit report.. This is unfair and needs to be addressed immediately because that was the last funds to pay my 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I agreed to settle my account with XXXX Credit card for the amount of {$770.00} through their third party debt collection agency and it was agreed upon payment the my account would be marked as settled and removed from my credit report with all three bureaus.. But upon my further investigation Ive noticed that the debt still has a balance and has not been removed from my credit report.. This is unfair and needs to be addressed immediately because that was the last funds to pay my debt

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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX Synchrony Bank reported on my credit report that I had a charge card and then they ended up closing it in XXXX which i had no knowledge of having that card or knowing that they closed it. i called synchrony bank which is the bank lender for care credit on XX/XX/XXXX. I was on the phone with the representative named mark at around XXXX. They let me know that they had no contract of me getting that charge card so I let them know that they were unfairly reporting on my credit report and that is not the law. They agreed to remove the charge card from my credit report in up to 60 days and also sent me a letter letting me know they were going to contact the credit bureaus and it would be removed. It is now XX/XX/XXXX and it has yet to be removed. I have called XXXX, XXXX and Synchrony Bank multiple times since XXXX of XXXX and it has still yet to be removed which means they are not fairly reporting to my credit.

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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I and my mother became XXXX  between the months of XX/XX/year> - XX/XX/year>. Her name is on the eviction notice that will be attached below. This whole situation happened because I lost my job and my mother had a XXXX things got hard. We stayed in a XXXX  and due to losing my wallet and other items. I was unable to make any payments on my credit card at that time. However while in the shelter I still manage to come up with a plan and pay what I used before losing my belonging. After contacting capital one and sending the a XXXX/adjustment letter with documents of my eviction notice. They refuse to remove the late payments although I explained in detail the reason for my late payments. I even disputed with XXXX  they to refuse to remove this information on my credit report. The negative remarks are causing me worse financial pain some jobs check your credit report in order to gain employment. Also due to these negative remarks I cant get a proper safe residence for myself and my sick mother. Please note some how my number is wrong on this complaint that is being submitted. The correct number is XXXX thank you

Company response to consumer: Closed with non-monetary relief