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

Complaint narrative:
I have repeatedly disputed an incorrect name appearing on my TransUnion credit report. My legal name is XXXX XXXX XXXX XXXX, but TransUnion continues to report XXXX XXXX XXXX XXXX, which is incorrect. 

Despite providing proper identification and submitting formal disputes, TransUnion has failed to correct this error, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ), which requires credit reporting agencies to correct or delete inaccurate information within 30 days of a dispute. 

This inaccuracy negatively impacts my financial standing and could link me to incorrect or fraudulent records. I have followed all necessary dispute procedures, yet TransUnion has failed to comply with its legal obligation to maintain accurate reporting.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please removed these accounts from my report, they are hurting my ability to obtain 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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Hello, I am filing a complaint against cash app ( Block Inc ) for not having an inadequate process in place to reach customer service via chat or live person. My understanding this is an unfair practice which violate CONSUMER FINANCIAL PROTECTION ACT. I experience cash app failed to take timely and effective measures to prevent and address fraudulent transactions on their platform. Their dispute resolution process was unfair and not in compliance to address consumers. Their dispute resolution company failed to comply with the electronic fund transfer act and regulation E.due to the company failure have cause significant financial loss, and I seek help to address the company lack of practice in place to compliance and I believe their are in violation. Cash app bot and advocacy provided no response or resolution. Only to direct you to things that dont work. Wait time are a joke and were in place for them to take advantage of consumers on their platform.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reported to Experian and Equifax that the information they have listed on my credit report is false and not my informations they keep responding back that the information they have is accurate

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: 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: MI

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 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 XXXX 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: 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: NJ

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally file a dispute concerning the accuracy of certain information reported to my credit file. I have previously submitted disputes directly to the relevant creditors in XXXX and XXXX of 2024. However, I have not received satisfactory resolutions, and I seek your assistance in addressing these matters. 

Specifically, the issues involve XXXX closed accounts and a recent hard inquiry. Below are the details : XXXX. XXXX Autos Account Status : Closed Dispute Sent : XX/XX/year> Issue : The account is reported as closed, but I have reason to believe that the reporting does not accurately reflect the status of this account. 

XXXX. Self/South State Bank Account Status : Closed Dispute Sent : XX/XX/year> Issue : The account is inaccurately reported as closed or settled, and I believe there is an error regarding the balance and status. 

XXXX. Defense Finance Account Status : Closed Dispute Sent : XX/XX/year> Issue : This account was marked as closed, but I dispute the balance and reporting associated with it. 

XXXX. XXXX XXXX XXXX XXXX 
Account Status : Closed Dispute Sent : XX/XX/year> Issue : The account is reported as closed, but I dispute the accuracy of this entry. 

Additionally, I have noticed an unauthorized hard inquiry from XXXX XXXX on XX/XX/year>, which I do not recognize or consented to. This inquiry is incorrectly affecting my credit score and I request that it be thoroughly investigated. 

I respectfully request that the CFPB investigate these matters and take appropriate action to ensure that all reported information is accurate and in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to your prompt resolution.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting To Whom It May Concern, I am filing a formal complaint against Ally Financial for inaccurate and unfair reporting of late payments on my credit report. 

Details of the Issue : Creditor : XXXX XXXX XXXX XXXXr XXXX Issue : Late payments incorrectly reported as 3060 days late Credit Bureaus Affected : XXXX, XXXX, Equifax Date ( XXXX ) of Late Payments Reported : XX/XX/year>, XX/XX/year> Reason for Dispute : Inconsistent Reporting : My account has different late payment statuses across the three credit bureaus. 
Unverified Late Payments : XXXX XXXX has not provided proper documentation to confirm these late payments. 
Proof from My Credit Report : I have attached a screenshot of my credit report showing the late payments. This serves as evidence of discrepancies across the bureaus. 
Failure to Respond to Dispute : I previously disputed this with the credit bureaus and XXXX XXXX, but the issue remains unresolved. 
Requested Resolution : I request that these late payments be removed or corrected from my credit report since they appear to be inaccurately reported or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), if Ally Financial can not fully verify the accuracy of these negative marks, they must be deleted. 

Supporting Evidence : Screenshot of my credit report highlighting the disputed late payments. 
I kindly ask for a thorough investigation into this matter and expect a resolution in accordance with FCRA guidelines. Thank you for your time 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 2025-02-02 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: NY

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting To Whom It May Concern, I am filing a formal complaint against Ally Financial for inaccurate and unfair reporting of late payments on my credit report. 

Details of the Issue : Creditor : XXXX XXXX XXXX XXXXr XXXX Issue : Late payments incorrectly reported as 3060 days late Credit Bureaus Affected : XXXX, XXXX, Equifax Date ( XXXX ) of Late Payments Reported : XX/XX/year>, XX/XX/year> Reason for Dispute : Inconsistent Reporting : My account has different late payment statuses across the three credit bureaus. 
Unverified Late Payments : XXXX XXXX has not provided proper documentation to confirm these late payments. 
Proof from My Credit Report : I have attached a screenshot of my credit report showing the late payments. This serves as evidence of discrepancies across the bureaus. 
Failure to Respond to Dispute : I previously disputed this with the credit bureaus and XXXX XXXX, but the issue remains unresolved. 
Requested Resolution : I request that these late payments be removed or corrected from my credit report since they appear to be inaccurately reported or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), if Ally Financial can not fully verify the accuracy of these negative marks, they must be deleted. 

Supporting Evidence : Screenshot of my credit report highlighting the disputed late payments. 
I kindly ask for a thorough investigation into this matter and expect a resolution in accordance with FCRA guidelines. Thank you for your time 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 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : XXXX XXXX XXXX TransUnion for Inaccurate Reporting Dear CFPB, I am writing to file a formal complaint against TransUnion regarding their handling of my credit report and the inaccurate information they have provided. My highest balance with the account in question was {$1900.00}, and despite being in good standing, TransUnion has reported false information regarding my rental agreement. 

On XX/XX/year>, I received a notification from TransUnion indicating that my disputed item had been deleted from my credit report. However, I never disputed the existence of my account ; I simply sought to have inaccurate negative information corrected. It is unreasonable for any consumer to have a positive payment history erased from their credit report based on a misunderstanding or mismanagement of their dispute. 

The specific details of my account are as follows : - Account Number : XXXX - Date of Deletion Notification : XX/XX/year> - Investigation Results : The disputed item ( XXXX ) was removed from your credit report. 

This situation is exacerbated by the contradictory statements I have received. For instance, I was informed that my account had been verified as accurate while simultaneously being told that this item has been deleted. Such conflicting information is not only confusing but also indicative of a failure to adequately investigate and address consumer disputes. 

This pattern mirrors the troubling practices of XXXX, which was recently sued for failing to conduct thorough investigations of consumer disputes. TransUnion appears to be employing similar tactics, ignoring relevant information and providing contradictory statements in their communication, causing undue harm to consumers like myself. 

I urge the CFPB to take immediate action against TransUnion for their continued failure to uphold accurate reporting standards and for not adequately addressing consumer disputes. This pattern of behavior must be stopped to protect consumers from damaging credit report inaccuracies that can significantly impact our financial well-being. 

Thank you for your attention to this matter. I look forward to your prompt response and the necessary action to hold TransUnion accountable. 

Sincerely,

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute of Collection Account Request for Removal I am writing to formally dispute the validity of a collection account that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge the accuracy of any information on my report. 

Details of the Disputed Account : Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reported Amount : {$390.00} Date Reported : XX/XX/year> Reason for Dispute : According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my credit information. Furthermore, under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a credit reporting agency can not furnish an account without my written authorization. 



I request that this account be verified, and I ask that you provide valid documentation proving its legitimacy and my written consent. If you are unable to verify the account with concrete evidence, I demand its immediate removal from my credit report in accordance with the law. 



I have attached a copy of my identification and a copy of my credit report with the disputed account highlighted for your reference. I would appreciate a written response within the legally required 30-day period.

Thank you for your prompt attention to this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute of Collection Account Request for Removal I am writing to formally dispute the validity of a collection account that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge the accuracy of any information on my report. 

Details of the Disputed Account : Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reported Amount : {$390.00} Date Reported : XX/XX/year> Reason for Dispute : According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my credit information. Furthermore, under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a credit reporting agency can not furnish an account without my written authorization. 



I request that this account be verified, and I ask that you provide valid documentation proving its legitimacy and my written consent. If you are unable to verify the account with concrete evidence, I demand its immediate removal from my credit report in accordance with the law. 



I have attached a copy of my identification and a copy of my credit report with the disputed account highlighted for your reference. I would appreciate a written response within the legally required 30-day period.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: NY

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting To Whom It May Concern, I am filing a formal complaint against Ally Financial for inaccurate and unfair reporting of late payments on my credit report. 

Details of the Issue : Creditor : XXXX XXXX XXXX XXXXr XXXX Issue : Late payments incorrectly reported as 3060 days late Credit Bureaus Affected : XXXX, XXXX, Equifax Date ( XXXX ) of Late Payments Reported : XX/XX/year>, XX/XX/year> Reason for Dispute : Inconsistent Reporting : My account has different late payment statuses across the three credit bureaus. 
Unverified Late Payments : XXXX XXXX has not provided proper documentation to confirm these late payments. 
Proof from My Credit Report : I have attached a screenshot of my credit report showing the late payments. This serves as evidence of discrepancies across the bureaus. 
Failure to Respond to Dispute : I previously disputed this with the credit bureaus and XXXX XXXX, but the issue remains unresolved. 
Requested Resolution : I request that these late payments be removed or corrected from my credit report since they appear to be inaccurately reported or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), if Ally Financial can not fully verify the accuracy of these negative marks, they must be deleted. 

Supporting Evidence : Screenshot of my credit report highlighting the disputed late payments. 
I kindly ask for a thorough investigation into this matter and expect a resolution in accordance with FCRA guidelines. Thank you for your time and assistance.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I never requested any of these accounts to be furnished to any companies or bureaus, fcra ( 15 code 1681 b ) these accounts and inquiries are in violation of my consumer rights

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IL

Complaint narrative:
I have a severing business accounts in which I hav utilized Square Inc to process transactions. On last year, My account was deactivated. I am unsure of the reason. I accepted the termination of services as the business is no longer active at this time. I has a balance of {$450.00} in the Square account at the itme of deactivation. I was told it would need to sit for 90 days before being transferred to my linked checking account. I have contacted the office several times only to be told that my case needs to be appealed and my funds will be raleased after someone calls me. I just need those funds transferred. They are still being held in a deactivated account. Its been closed since XX/XX/year>.

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: PA

Complaint narrative:
I have reported to Experian and Equifax that the information they have listed on my credit report is false and not my informations they keep responding back that the information they have is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc.
State: TX

Complaint narrative:
On Friday, XX/XX/year>, I received a text saying that I applied for a car loan which I did not apply

Company response to consumer: Closed with explanation