vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed this old account to be removed from my credit report with TransUnion. As this company I had a loan with in 2020 and paid it off in 2020. It is showing as a late payment. Again this is not fairness and accuracy in reporting. This is an old debt that is not representing me as the present day consumer. 
TransUnion knows this is violating the FCRA and FDCPA, and is not willing to remove it. Please help!

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 2025-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: CA

Complaint narrative:
I work every weekday from XXXXXXXX XXXX  to XXXX and i told them to not call me during my work hours. To which they continued to call me when i told them not during my work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information reported on my credit file due to your agency 's failure to validate information properly, as required by federal law. Your company has merely parroted unverifiable data from creditors without conducting a reasonable investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681g. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The inaccurate information on my credit report indicates a failure on your part to establish and follow reasonable procedures to assure the maximum possible accuracy of consumer credit information. Negligence in Investigation Procedures : Your agency has failed to conduct a thorough and meaningful investigation into the disputed information, allowing inaccurate and damaging data to persist on my 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 explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information reported on my credit file due to your agency 's failure to validate information properly, as required by federal law. Your company has merely parroted unverifiable data from creditors without conducting a reasonable investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681g. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The inaccurate information on my credit report indicates a failure on your part to establish and follow reasonable procedures to assure the maximum possible accuracy of consumer credit information. Negligence in Investigation Procedures : Your agency has failed to conduct a thorough and meaningful investigation into the disputed information, allowing inaccurate and damaging data to persist on my 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXXXXXX XXXX XXXX  Original creditor : XXXXXXXX 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 XXXXXX/XX/year>

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 2025-02-11 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:
PLEASE SEE SUPPORTING DOCUMENTATION PERTAINING TO THE EQUIFAX DATA BREACH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
The company made a good faith effort to provide some of the information relevant to the complaint by sending a letter stating that a {$200.00} - {$300.00} amount was in dispute. The issue with the transactions disputed that underlie the complaint is that they attract criminal activity by a third party that will go into any property to remove related documents to prevent resolution and deter any further communications regarding the dispute. This repeatedly occurred before the card was reissued through another bank. I am asking this company to correspond regarding the matters that were left unresolved an of which they had reason to know through access to the documents that I submitted and to which they confirmed during early conversations with the company at the time of the transfer to the new bank. Unfortunately, I need assistance with the dates but can locate this information when I am provided access and can somewhat bring forth supporting documentation. Irrespective of such, I successfully brought forth the matter twice in writing and in its entirety to the institution before the transfer and the new institution confirmed what I had reported. Criminal activities include sabotage to electronic recordkeeping of the transactions, such as through XXXX, XXXX XXXX XXXXXXXX. I have never dropped the matter from discussion. They simply stop corresponding and ask me to wait until I receive further assistance. Such even occurred in that manner when the institutions were changed.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
everything is wrong on my credit report i despite a lot of stuff on my credit report and it is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXXXXXX 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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: LA

Complaint narrative:
Subject : Unauthorized Use of Personal Information and Financial Account Mismanagement I am writing to report a serious issue regarding unauthorized access to my personal and financial information, which I believe has led to the creation of an account in my name and the issuance of financial securities using my details without my knowledge or consent. My financial information was used privately and without my approval to issue securities on the secondary market, which is highly concerning and a direct violation of my privacy and rights. I request a full investigation into this matter to determine how my personal information was compromised, and why I was not informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
**Subject : Complaint Against Experian for Failing to Properly Investigate Unauthorized Charges Reported by XXXX  XXXX XXXX **Dear Consumer Financial Protection Bureau ( CFPB ), ** I am filing a formal complaint against Experian for failing to properly investigate and correct unauthorized charges on my credit report related to my XXXX XXXX XXXX account XXXX Given the CFPBs recent lawsuit against Experian for conducting sham investigations into consumer disputes ( [ CFPB v. Experian, XX/XX/2025 ] ( XXXX XXXX XXXX XXXX ), I believe my case is another example of their failure to comply with federal consumer protection laws.

# # # **Complaint Details : ** - **Credit Bureau Involved : ** Experian - **Financial Institution Involved : ** XXXX XXXX  XXXX XXXX XXXXAccount Number ( XXXX ) - **Issue : ** Unauthorized fraudulent charges reported by XXXX XXXX XXXX and incorrectly reflected on my credit report.

- **Dispute History : ** I previously submitted a dispute to Experian regarding these fraudulent transactions and provided supporting documentation, including a **police report**. However, Experian failed to conduct a proper investigation and instead provided a generic response without resolving the issue.

# # # **Complaint Summary : ** Experian is required by the Fair Credit Reporting Act ( FCRA ) to conduct a proper investigation and verify the accuracy of reported information. However, based on the CFPBs recent lawsuit, it is clear that Experian has been neglecting its legal duty by relying on automated processes that do not ensure accuracy. My case is a direct example of this misconduct.

Despite my submission of a **police report verifying the fraudulent activity**, Experian has continued to report inaccurate information, failing to fulfill its legal responsibility to investigate consumer disputes thoroughly. This negligence is causing ongoing harm to my credit.

# # # **Requested Actions : ** I am requesting that the CFPB intervene to ensure that Experian : 1. **Conducts a thorough and lawful investigation into my dispute, verifying information directly with XXXX XXXX XXXX rather than relying on automated responses. ** 2. **Immediately removes or corrects the fraudulent information from my credit report. ** 3. **Provides a written response detailing the outcome of their investigation. ** Experians failure to act properly is a violation of my rights under the FCRA and is negatively impacting my credit. I appreciate the CFPBs assistance in ensuring this matter is resolved fairly and in compliance with federal law.

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 2025-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
They show status of debt as charged off which means they would have filed a 1099c and charged off the debt and they did not send me a copy of cancelation of debt so I could claim it as income. They are filing inaccurate info on my report false and misleading statements and causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-11 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: MD

Complaint narrative:
Re : Formal Complaint regarding inaccurate information on my credit Bureau reports. 
My personal information was leaked in a credit bureau database breach and I've been a victim of identity theft as a result of the data breach. 

I'm writing to formally dispute inaccurate information on my Experian, Transition, and Equifax credit reports that is harming my financial well-being. I'm aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing 'sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I'm deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being reported.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 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 Regulations 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 2025-02-11 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: FL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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