vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 2025-01-20 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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:
information was removed then placed back on the account. information is results of identity theft and error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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:
information was removed then placed back on the account. information is results of identity theft and error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On the morning of XXXX XX/XX/year>, my Experian credit monitoring account was fraudulently taken over by someone creating an Experian XXXX XXXX account in my name. This resulted in my account details being changed, most notably the email address associated with the account, and the phone number associated with the account. Note that I was notified after the changes had basically already taken place. Of note, I already had a credit freeze ( and still have ) in place thru their system. 

This meant I could no longer access the account, change any details, or regain control. 

I contacted Experian and they cancelled the fraudulent checking account, but did not restore access to my credit monitoring account. On XX/XX/XXXX I contacted them again via the phone to restore access. 

They stated ( over the phone, and would not provide the information in writing ) that in order to regain access, I had to go to their website ( https : //www.experian.com/consumer/upload/ ) an upload qualifying documentation including photos of identification and a cover letter. After entering the data, and uploading the required files, the website crashed, consistently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: UT

Complaint narrative:
This address is not correct. I'm not sure why they can't get it right but it's wrong. I've tried calling them before regarding this and their " excuse '' was that someone sent it to them that way. No one would have done that as the creditors I deal with got the address correctly directly from me, as well as I update it on line myself so there's no chance of someone else getting it wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: MO

Complaint narrative:
I am writing to formally dispute the inaccuracies present on my credit report with Experian, and to demand immediate investigation and correction pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. My dispute concerns the erroneous information listed under XXXX  XXXX ( who is also being sued ), XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and all other negative accounts on my Experian report, which is inaccurate and has adversely impacted my credit profile. 
I would like to remind you of the ongoing issues with the manner in which Experian, along with other major credit reporting agencies, has been handling consumer disputes. As you are aware, the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, accusing the company of conducting sham investigations of credit report errors. The lawsuit highlights the failure of Experian to properly investigate disputes and the continued listing of inaccurate information on consumer credit reports. These actions clearly violate the requirements set forth under the FCRA, and I demand that you cease such practices with my credit file. 
Under 15 U.S.C. 1681i, you are legally required to : 1. Conduct a reasonable investigation into any dispute raised by a consumer regarding the accuracy or completeness of information on their credit report.

2. Correct any inaccuracies within a reasonable time frame ( typically 30 days ), and provide written notice of the results of your investigation, including a copy of my updated credit report if changes are made. 
In light of the CFPBs lawsuit and your apparent failure to adhere to the statutory requirements, I demand that you : * Immediately initiate a thorough and independent investigation into my dispute, ensuring that all relevant information is properly reviewed. 
* Correct any and all inaccuracies within my credit file, and provide written documentation of the investigation results. 
* Cease any practices that might undermine the integrity of the dispute process, as described in the CFPB 's legal action. 
Failure to comply with these provisions not only violates my rights under the FCRA but also subjects Experian to legal liability, as outlined by the CFPB 's actions. As a consumer, I will not tolerate such negligent practices and expect immediate remediation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
Someone called me and said that my account was gon na be closed if I didn't add money so I did and they took it. I sent {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Data from Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute inaccurate information on my credit report and request its removal. I have reviewed my credit report and noticed discrepancies that need to be addressed. Below are the details of the inaccurate data : Account Information : Account Name : XXXX XXXX XXXX Nature of Discrepancy : invalid account After reviewing the information, I believe the data provided is incorrect due to resolution of dispute. As per the Fair Credit Reporting Act, I am entitled to a complete and accurate credit report, and I am requesting that you investigate and correct this matter promptly. 
Attached to this letter, I have included the following supporting documentation to help resolve the issue : XXXX. A copy of court findings. 
Please investigate this matter and remove the inaccurate data from my credit report as soon as possible. I would appreciate it if you could provide me with written confirmation once the correction has been made. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am reporting this transaction because Bank of America failed to protect me from an unauthorized scam via XXXX. XXXX denied my claim and Bank of America did the same. This person was claiming to be a XXXX  who is a member of a XXXX basketball team. He was accepting donations for XXXX and water. In an attempt for me to give him {$2.00} via XXXX for a XXXX he grabbed my phone and said he would put in the info for me. I asked him forcefully to give my phone back and he ran off with it along with access to all of my personal pin # s as well as cards and license. After he stole my phone, another person attempted to help me fund where he ran off to. We then located the tossed phone on the side of a building. When I opened up my XXXX  to see what he did. I saw that he sent his theifing self {$1300.00}. I would NEVER GIVE ANYONE THAT MUCH MONEY. IM A SINGLE MOM WHO JUST XXXX  TWO RELATIVES IN ONE MONTH! They even failed to investigate that ANYTIME I SEND MONEY VIA THIS XXXX  I ALWAYS PUT A REASON AND WHAT THE FUNDS ARE FOR! This transaction was just sent with no description. Who would send that much money and not put a reason why!!! Yall let him steal {$1300.00} from me a trusted customer, without proper and appropriate investigation stating THAT I AUTHORIZED IT!! WHEN MY PHONE WAS STOLEN FROM ME!!! I AM SICK TO MY STOMACH. I Immediately reported the activity to you all as well as IMMEDIATELY requesting for this fraudulent user to refund my money. BANK OF AMERICA FAILED TO PROTECT ME AND DID nothing to truly investigate this CRIME!!! I HAVE FILED A POLICE REPORT AND AM NOW FULLY SEEKING LEGAL RECOURSE. I am in process of eviction because due to this failure to make this individual responsible for committing this sickening crime against me. I am about to be on the streets because of insufficient funds to pay my bills. This is wrong and unethical to not trace his transactions with what he did with MY MONEY to prove that he committed a crime. You can probably see that he immediately moved the money out of the account to avoid you all coming back to claim on my behalf. XXXX and Bsnk of Americas investigative team are knowingly denying fraudulent claims to keep from paying out people like me who are actually being scammed on this app. I've NEVER made a report of scam, but my claim was denied as if I'm lying. I'm insulted and sick to my stomach, sleeping in my car as we speak. This is horrible, and at this point I truly wish that both companies would do the right thing.

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 monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection. What's more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT. I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you the authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
I am a victim of Identity Theft, none of these inquiries are mine. All additional inquires are included in the " Personal Statement '' section of the FTC Report. Please remove ALL of these from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
I am a victim of Identity Theft, none of these inquiries are mine. All additional inquires are included in the " Personal Statement '' section of the FTC Report. Please remove ALL of these from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
Equifax is allowing the listed companies to report fraudulent information on my consumer report. I am requesting the removal of the disputed accounts and my personal information from my report as they were not properly investigated. I submitted a divorce decree showing that the reported information should not be in my report. I also sent in valid proof of my identity, but the information continues to be verified and validated with these names not being removed. Additionally, my personal information was affected by the Equifax data breach. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These issues align with my complaint against all three credit bureaus and the data breach with Equifax. The bureaus have admitted that they have not removed the listed accounts or personal information. Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), the bureaus had only four days to correct these errors. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: GA

Complaint narrative:
I have come across the CFPB lawsuit with XXXX XXXX XXXX, XXXX. I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute from TRANSUNION that the accounts were " verified ''. I insist you conduct a reinvestigation as you are required by the FCRA Law for the accounts listed below. 
I did request information from your company as well but was NOT provided any details in regard to the investigation. 

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation. Which I ask that you provide to me in exact detail via mail and not through your online portal. 
Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. 

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 2025-01-20 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: MI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: MI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: MD

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2025-01-20 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: NC

Complaint narrative:
Iam filling this complaint because Experian has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) specially they have violated. 
15USC1681e ( b ) Failure to maintain the accuracy of my credit report.

15USC1681s-2 Neglect in ensuring the furnisher of information comply with their obligations.

15USC1681i ( 5 ) Failure to properly reinvestigate disputes and remove inaccurate information.

15USC1681c ( c ) Inclusion of absolute information in my credit report.

I have sent multiple dispute letters to Experian but they have either fail to conduct proper investigation or reinvestigations or outright ignored the evidence i provided.

To make matters worse i have learned about the recent CFPB law suit against Experian ( CFPB ) sues Experian for Sham investigations of credit reports which highlights that Experian has a documented history of neglecting consumer rights by failing to remove or properly investigate errors in credit reports This issue has signific ally impacted my ability to access credit housing and employment opportunities causing me Financial and Emotional distress. 
As a result of Experian '' Non Compliance my credit score remain inaccurate these are the accounts 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 explanation
Consumer complaint received 2025-01-20 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: LA

Complaint narrative:
Experian failed to fulfill its legal obligation under 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 systematic issues such as failing to forward consumer-provided evidence 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 the 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