vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: VA

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2025-02-22 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: VA

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: NJ

Complaint narrative:
I submitted full documentation regarding the errors on my credit file and asked for a full investigation.

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 2025-02-22 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: TX

Complaint narrative:
I am informing all parties involved on credit reporting that some information that i found on my reports are not mine, I have tried to do this in the best way I can and some of this was removed and then placed back on my report, if any of this account is a debt i will need a validation of debt of original supplier according to 15 U.S Code 1692g and i am going to take legal actions if this is not resolved asap and removed all this account that i mentioned below. 

XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I noticed money missing from my check. I am salary so my check is always the same amount. When I called my XXXX XXXX office, I was told they received paperwork from a debt collector to garnish my wages. XXXX XXXX received a completely different letter with spelling errors, capitalization errors, basically it looked like a XXXX XXXX XXXX wrote it up. AND, it wasn't even mailed to my bank, it was FAXED over and they ( without ) even notifying me, did NOT pay me my wages. The really HORRIBLE part was it happened a week BEFORE XXXX! 
I CAN'T STAND XXXX XXXX and I am in the process of finding a new bank to use. This wasn't the XXXX time they had taken my money. Sadly, the only thing I could possibly do was request a hearing in court. However, I had NO MONEY to obtain a lawyer. I am a XXXXXXXX XXXX and live paycheck to paycheck as it is!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: AZ

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time.

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2025-02-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been working on my credit since XXXX of XXXX I have made progress with paying on time and even getting a secure credit card I even got approved for an additional credit card because of timely payments I also have a car note and which I have been paying on time for an entire year as well as a mortgage payment that I have been paying on time also for an entire year in XXXXXXXX XXXX XXXXXXXX my lender did a hard pull for a mortgage loan and the score was rather low I continue to work on that credit score 4 months later my score has not increased in spite of the two credit cards that I paid on time in spite of the car note that I paid on time in spite of the mortgage that I pay on time my credit score has not changed I've asked the credit bureaus as to why my credit score has been the same for the past 4 months and they can not give me an answer I also explain to them that I am trying to be pre-approved for a home and explain the revolving credit that has now been reporting as well as the additional credit where it has been maintained and they have also been reporting and that I have not seen any change in the credit score they continue to tell me my credit score has been updated every 30 days however the score has not changed so I have been asking them to update my credit score in spite of the written letter from my mortgage company there is still no change in my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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 recently reviewed my credit and realized they were inquiries on my account that I didn't recognize hence fraudulent and I would like to have them removed. These inquiries includes ; XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies American Express did not provide a detailed report of investigation practices and failed to include the attachment with explanation of results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: IL

Complaint narrative:
BANKRIPTCY US XXXX  DID NOT VERIFY ACCURATE ACCOUNT XX/XX/XXXX FILED DISPUTED XX/XX/XXXX XX/XX/XXXX XXXX ... XX/XX/XXXX ... XXXX INQUIRES XXXXXXXX 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 2025-02-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously requested that the disputed account ( s ) be marked as 'Account Disputed ' in my consumer files, as mandated by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ]. However, the purported consumer credit reporting agency has failed to conduct a proper investigation into the ongoing and persistent issues. I was not notified of the investigation status or results, and the agencys failure to address the core nature of my complaint remains unresolved. Additionally, the reported information contains nonexistent and bogus entities that do not reflect a valid legal entity as recognized under applicable laws governing articles of incorporation, certificates of formation, or charters. I demand the immediate expungement of these illegitimate entities and a correction of my consumer file to ensure compliance with federal regulations. Supporting documents outlining these unlawful billing, credit reporting, and debt collection practices, which have persisted since XX/XX/XXXX, are attached. 

See my attached Memorandum for the Record ( CONSENT TO DISCLOSURE ), Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX and Accounting Service Regarding Improper Debt Collection, Billing Discrepancies, XXXX XXXX XXXX, and Unauthorized Pay Deductions Related to Alleged Credit Card Receivables ( Account No. XXXX ), dated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest is a loan company that does not give any monthly statements or disclose information requested by the customer. I went online to their website on XX/XX/year> to see my payoff amount and how much I have paid in interest. I could not find it anywhere on the site. I reached out to customer service that same day to ask for the statement and the agent responded saying that they do not provide XXXX. As a customer I should be able to have transparancy as to where my payments are going.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I mailed certified letters about a false accounts due to credit fraud and they never responded nor investigated. This is ongoing and no proof from them stating how they got to the conclusion or ownership. 

XXXX XXXX XXXX XXXX Account Number # # # # # XXXX {$21000.00}

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of 2025 I received a bill for the annual fee on Truist credit card. I called Truist credit services and advised them I do not use the card and to cancel the card. The agent agreed. In XX/XX/scrub> 2025 I received a statement saying I owed the fee plus interest. I called them back and advised I had requested the card cancelled and I was not paying a fee for a card I am not using. The lady who assisted me said the card was cancelled and she would take care of it and remove the fee. On XX/XX/year>2025, I received another statement on email with additional interest charges on the annual fee so I called and spoke to a supervisor she said that there was nothing she could do as it was over XXXX days since they billed me for the annual fee. I asked her if she intended to prorate the fee since I no longer have the card, she told me that was not an option. I am paying for a service I don't have. I think this company is taking advantage of consumers.

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 2025-02-22 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of dispute 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 Experians 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 2025-02-22 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: NC

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. XXXXb, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2025-02-22 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: MA

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2025-02-22 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:
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 take timely and effective measures 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 Regulation 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 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I transferred cryptocurrency from Coinbase to an external account/wallet and Coinbase did not raise a flag the destination wallet as part of a scam or on the pattern of buying and sending cryptocurreny when their primary purpose is to enable buy and selling. Below transactions were carried out leading to a loss of {$150000.00} XXXX worth {$48000.00} were sent on XX/XX/year> XXXX worth {$98000.00} were sent on XX/XX/year> XXXX worth {$7800.00} were sent on XX/XX/year> XXXX worth {$2400.00} were sent on XX/XX/year> XXXX worth {$700.00} were sent on XX/XX/year>

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I previously requested that the disputed account ( XXXX ) be marked as 'Account Disputed ' in my consumer files, as mandated by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . XXXX ]. However, the purported consumer credit reporting agency has failed to conduct a proper investigation into the ongoing and persistent issues. I was not notified of the investigation status or results, and the agencys failure to address the core nature of my complaint remains unresolved. Additionally, the reported information contains nonexistent and bogus entities that do not reflect a valid legal entity as recognized under applicable laws governing articles of incorporation, certificates of formation, or charters. I demand the immediate expungement of these illegitimate entities and a correction of my consumer file to ensure compliance with federal regulations. Supporting documents outlining these unlawful billing, credit reporting, and debt collection practices, which have persisted since XX/XX/XXXX, are attached. 

See my attached Memorandum for the Record ( CONSENT TO DISCLOSURE ), Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX Service Regarding Improper Debt Collection, Billing Discrepancies, Credit Reporting Errors, and Unauthorized Pay Deductions Related to XXXX  Credit Card Receivables ( Account No. XXXX ), dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been working on my credit since XXXX of XXXX I have made progress with paying on time and even getting a secure credit card I even got approved for an additional credit card because of timely payments I also have a car note and which I have been paying on time for an entire year as well as a mortgage payment that I have been paying on time also for an entire year in XXXXXXXX XXXX XXXXXXXX my lender did a hard pull for a mortgage loan and the score was rather low I continue to work on that credit score 4 months later my score has not increased in spite of the two credit cards that I paid on time in spite of the car note that I paid on time in spite of the mortgage that I pay on time my credit score has not changed I've asked the credit bureaus as to why my credit score has been the same for the past 4 months and they can not give me an answer I also explain to them that I am trying to be pre-approved for a home and explain the revolving credit that has now been reporting as well as the additional credit where it has been maintained and they have also been reporting and that I have not seen any change in the credit score they continue to tell me my credit score has been updated every 30 days however the score has not changed so I have been asking them to update my credit score in spite of the written letter from my mortgage company there is still no change in my credit score

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