vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: TN

Complaint narrative:
Dear Transunion I am writing to inform you that despite my repeated attempts to resolve the matter at hand, there has been no satisfactory resolution or response from your end. I have filed reports with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), but to date, there has been no change or acknowledgment from your side. It appears that my concerns have been either ignored or disregarded. 

This ongoing lack of action is a clear violation of the Fair Credit Practices ( FCP ) and can not be tolerated any further. Please consider this letter as my final plea for help before I pursue legal action. 

Should this matter remain unresolved, I will be left with no choice but to file a lawsuit in federal court. 

I urge you to treat this matter with the seriousness it deserves. 

Sincerely, 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 2025-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
In several occasions I had to dispute either charges on my card that wasnt authorized or me NOT receiving monies that was either sent to me or refunded to me from other merchants after my last dispute to them about me NOT getting my {$200.00} that was sent to me, CashApp closed my account and said theyll investigate transaction was fraudulent the person that sent the money didnt get their money returned to them and I didnt get the money, even though the notification I received said I did get the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
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 2025-02-02 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: TN

Complaint narrative:
Dear TransUnion, XXXX and XXXX I am writing to inform you that despite my repeated attempts to resolve the matter at hand, there has been no satisfactory resolution or response from your end. I have filed reports with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), but to date, there has been no change or acknowledgment from your side. It appears that my concerns have been either ignored or disregarded. 

This ongoing lack of action is a clear violation of the Fair Credit Practices ( FCP ) and can not be tolerated any further. Please consider this letter as my final plea for help before I pursue legal action. 

Should this matter remain unresolved, I will be left with no choice but to file a lawsuit in federal court. 

I urge you to treat this matter with the seriousness it deserves. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: TN

Complaint narrative:
Dear TransUnion, XXXX and XXXX I am writing to inform you that despite my repeated attempts to resolve the matter at hand, there has been no satisfactory resolution or response from your end. I have filed reports with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), but to date, there has been no change or acknowledgment from your side. It appears that my concerns have been either ignored or disregarded. 

This ongoing lack of action is a clear violation of the Fair Credit Practices ( FCP ) and can not be tolerated any further. Please consider this letter as my final plea for help before I pursue legal action. 

Should this matter remain unresolved, I will be left with no choice but to file a lawsuit in federal court. 

I urge you to treat this matter with the seriousness it deserves. 

Sincerely, 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 2025-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint and dispute regarding identity theft that has impacted my credit report and financial records. I believe that my personal information has been used fraudulently by an unknown party without my consent. 

The details of the identity theft are as follows : Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Account Affected : SENTRY CREDIT ( {$4900.00} ) I first became aware of the identity theft in XXXX  when the collections account posted to my credit report. Upon reviewing my records, I found that by disputing it XXXX deleted the account. XXXX and XXXX are giving me issues with proving the fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in relation to my fraud dispute regarding a fraudulent account and unauthorized hard inquiries on my credit report. 

1. Failure to Block Fraudulent Information Despite Identity Theft Report The fraudulent account in question is XXXX XXXX XXXX ( Account # XXXX ), which was opened in XX/XX/XXXX without my consent. 
XXXX is unable to verify this account with my phone number or Social Security number, proving it is not mine. 
I do not possess the vehicle associated with this loan, do not have the keys, and do not know its location. 
I have submitted my FTC Identity Theft Report, government-issued ID, and Social Security card , as required under 15 U.S.C. 1681c-2, yet TransUnion refuses to block or delete the fraudulent account.

2. Failure to Remove Unauthorized Hard Inquiries TransUnion has failed to remove multiple unauthorized hard inquiries, despite my submission of a detailed fraud dispute. The following inquiries were fraudulent and should be removed immediately : XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Under 15 U.S.C. 1681b ( f ), credit inquiries must be authorized by the consumerthese were not. 

XXXX. TransUnions XXXX XXXX to Investigate My Dispute ( FCRA Violation ) This is my third time disputing this issue, and TransUnion continues to respond with generic denials without conducting a proper reinvestigation. 
I called TransUnion 's fraud department at XXXX, and the representative confirmed that my 75-page document was received. 
My XXXX credit report contradicts TransUnions reporting by stating XXXX missed payments in one section and XXXX missed payments in another. This proves that TransUnion is failing to conduct a reasonable investigation, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

4. Legal Violations by TransUnion TransUnion is in violation of the following Fair Credit Reporting Act ( FCRA ) provisions : 15 U.S.C. 1681c-2 Failure to Block Identity Theft-Related Information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681b ( f ) Unauthorized Access to My Credit Report ( Hard Inquiries ) 15 U.S.C. 1681e ( b ) Failure to Maintain Accuracy of Credit Report

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 2025-02-02 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properiy 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 ( 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 marked that are in accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I took this account out with Enerbank USA in XXXX of XXXX to do a waterproofing of my basement. The amount I financed was approximately {$9000.00}. It is now XXXX and when I access my account and look at the statements, I still owe around {$8300.00}. I have paid every month, on time. I am being ripped off. At some point, the amount I owe should have decreased. It should be half of that at least by now. I tried to speak to someone at the company and was given no real answer. I tried to get information, and they had changed their system, and I had a hard time accessing things. The website doesn't let you access all your information. I can only go back to XXXX, and I can only see part of the information on the site. I called about that and was not given a clear answer either. I feel at this point I will be paying for this for the rest of my life, and no one will tell me anything.

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 2025-02-02 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: OH

Complaint narrative:
Dear CFPB, I am filing this complaint due to gross inaccuracies in my credit reporting that have resulted in severe financial harm, including excessive interest charges, wrongful loan denials, and ongoing financial hardship. These errors have artificially lowered my credit score, preventing me from obtaining fair credit terms.

Key Issues : Inaccurate Reporting of Account Details : Account Balances & Payment History : Loan balances are inflated, and on-time payments are misreported as late.

This misreporting has led to higher interest rates and unjust loan denials.

Negative Accounts : Two negative accounts appear incorrectly or are unverifiable and must be removed immediately.

A previously disputed and removed negative account has reappeared, violating FCRA compliance.

Credit History Length : My oldest account is reported incorrectly, shortening my credit history and unfairly lowering my score.

Resulting Financial Harm : Thousands of dollars in overpaid interest.

Denial of multiple loans, making it impossible to buy a car or a house.

Unwarranted fines and penalties.

Continuous mental stress and financial strain.

Previous Attempts to Resolve : I have repeatedly
disputed these errors with Equifax, Experian, and TransUnion, as well as contacted my creditors.

All efforts have been ignored or mishandled, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ).

Immediate Actions Required : Remove all inaccurate negative accounts.

Correct account balances, payment history, and credit history length immediately.

Investigate and refund excessive interest charges and penalties.

Hold both credit bureaus and creditors accountable for failing to correct these errors.

Provide written confirmation that my credit report has been fully corrected.

Supporting Documents Attached : XXXX XXXX report showing incorrect information.

Loan statements, payment records, and loan denial notices.

Copies of dispute letters and unresponsive replies.

Correspondence with creditors.

Final Notice : I expect written confirmation from the CFPB within 15 days that all errors have been permanently removed and my credit report corrected.

If this issue is not resolved within 60 days, I will escalate the matter by filing a formal complaint with my State Attorney General, hiring a consumer protection attorney, and pursuing legal action for the financial and emotional damages incurred.

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 non-monetary relief
Consumer complaint received 2025-02-02 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: OH

Complaint narrative:
Dear CFPB, I am filing this complaint due to gross inaccuracies in my credit reporting that have resulted in severe financial harm, including excessive interest charges, wrongful loan denials, and ongoing financial hardship. These errors have artificially lowered my credit score, preventing me from obtaining fair credit terms.

Key Issues : Inaccurate Reporting of Account Details : Account Balances & Payment History : Loan balances are inflated, and on-time payments are misreported as late.

This misreporting has led to higher interest rates and unjust loan denials.

Negative Accounts : Two negative accounts appear incorrectly or are unverifiable and must be removed immediately.

A previously disputed and removed negative account has reappeared, violating FCRA compliance.

Credit History Length : My oldest account is reported incorrectly, shortening my credit history and unfairly lowering my score.

Resulting Financial Harm : Thousands of dollars in overpaid interest.

Denial of multiple loans, making it impossible to buy a car or a house.

Unwarranted fines and penalties.

Continuous mental stress and financial strain.

Previous Attempts to Resolve : I have repeatedly
disputed these errors with Equifax, Experian, and TransUnion, as well as contacted my creditors.

All efforts have been ignored or mishandled, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ).

Immediate Actions Required : Remove all inaccurate negative accounts.

Correct account balances, payment history, and credit history length immediately.

Investigate and refund excessive interest charges and penalties.

Hold both credit bureaus and creditors accountable for failing to correct these errors.

Provide written confirmation that my credit report has been fully corrected.

Supporting Documents Attached : XXXX XXXX report showing incorrect information.

Loan statements, payment records, and loan denial notices.

Copies of dispute letters and unresponsive replies.

Correspondence with creditors.

Final Notice : I expect written confirmation from the CFPB within 15 days that all errors have been permanently removed and my credit report corrected.

If this issue is not resolved within 60 days, I will escalate the matter by filing a formal complaint with my State Attorney General, hiring a consumer protection attorney, and pursuing legal action for the financial and emotional damages incurred.

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 2025-02-02 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: TX

Complaint narrative:
I am writing to formally dispute inaccuracies contained in my credit report. Specifically, I am requesting the immediate removal of incorrect name variations and address listings that do not pertain to me. 

Name Variations to Be Removed : XXXX XXXX XXXX ( without XXXX ) XXXX XXXX ( without XXXX ) XXXX XXXX. XXXX XXXX, XXXX XXXX These name variations are incorrect, as my legal name is XXXX XXXX XXXX XXXX. 

Addresses to Be Removed : XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XX/XX/XXXX ) XXXX XXXX  XXXX XXXX, XXXX, TX XXXX These addresses are not accurate or associated with my current or past residency. 

In support of my dispute, I have included relevant documentation to verify my correct information, including a copy of my government-issued identification and proof of residency. 

Furthermore, I am aware of my rights under the following laws and request that my dispute be processed accordingly : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 6802 ( Safeguarding of Personal Information ) Additionally, I reference the CFPB 's recent legal actions against Experian and Equifax, highlighting ongoing issues with inaccurate credit reporting practices. I expect compliance and correction from your agency without delay. 

Please update my credit file to reflect only accurate and verified information and confirm these corrections in writing. Failure to correct this information may result in further legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.

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

Complaint narrative:
I am writing to formally dispute inaccuracies contained in my credit report. Specifically, I am requesting the immediate removal of incorrect name variations and address listings that do not pertain to me. 

Name Variations to Be Removed : XXXX XXXX XXXX ( without XXXX ) XXXX XXXX ( without XXXX ) XXXX XXXX. XXXX XXXX, XXXX XXXX These name variations are incorrect, as my legal name is XXXX XXXX XXXX XXXX. 

Addresses to Be Removed : XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XX/XX/XXXX ) XXXX XXXX  XXXX XXXX, XXXX, TX XXXX These addresses are not accurate or associated with my current or past residency. 

In support of my dispute, I have included relevant documentation to verify my correct information, including a copy of my government-issued identification and proof of residency. 

Furthermore, I am aware of my rights under the following laws and request that my dispute be processed accordingly : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 6802 ( Safeguarding of Personal Information ) Additionally, I reference the CFPB 's recent legal actions against Experian and Equifax, highlighting ongoing issues with inaccurate credit reporting practices. I expect compliance and correction from your agency without delay. 

Please update my credit file to reflect only accurate and verified information and confirm these corrections in writing. Failure to correct this information may result in further legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-02-02 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: TX

Complaint narrative:
I have 2 inquiries on my reports that I did not make. One from XXXX and another to XXXX XXXX. Iwas monitoring my credit reports and I see two separate inquiries I did not authorize. I tried to dispute and ask for the items be validated or removed and they remain with no validation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - summary Equifax XXXX XXXX Account Number XXXXXXXX Original Lender XXXX XXXX XXXX XXXX Name XXXX Date Assigned XXXX XXXXXXXX XXXX Original Balance {$320.00} Current Balance {$320.00} Responsibility Individual Status Unpaid Comments Consumer disputes this account information

Company response to consumer: Closed with explanation