vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I also disputed a {$250.00} transaction processed through XXXX on the same day as the {$1500.00} transaction. My bank denied the claim without providing any documentation or valid reasoning for the denial. 

Issues : The bank has not provided any proof that this transaction was authorized. 

As this was an international transfer while my phone was stolen, it should have been properly investigated.

They are in violation of regulation E

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-12 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am Filling 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 MEASURE 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 PROCESS 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 2025-03-12 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: FL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate in my credit report.despite my submissions, experian consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
this practice violates the fair credit reporting act ( XXXX XXXX XXXX XXXX ) for {$1200.00}, XXXX XXXX XXXX XXXX ) for {$350.00}, ( XXXX XXXX XXXX ) FOR $ XXXXwhich mandates a reasonable investigation of the dispute. I request that the CFPB take action to ensure Experian comlies with federal law and provides consumers with the necessary proof of 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 2025-03-12 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX  ( Finance ) XX/XX/2024 XXXX XXXX ( Finance ) XX/XX/2024 XXXXXXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 {$1200.00}

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 non-monetary relief
Consumer complaint received 2025-03-12 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX  ( Finance ) XX/XX/2024 XXXX XXXX ( Finance ) XX/XX/2024 XXXXXXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information being reported on my credit file related to a 30-day late payment for the above-referenced XXXX it Secured Credit Card account, dated XX/XX/year>. 

Per my recent communication with XXXXXXXX XXXX, the creditor has already confirmed the removal of this late payment and provided written documentation stating that they have requested the removal of the delinquency previously reported for XX/XX/year> from my credit history. This was clearly stated in their courtesy deletion letter dated [ insert date if available ]. 

Under the Fair Credit Reporting Act ( FCRA ), Section 602A ( 6:024 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am exercising my right to request the immediate deletion of inaccurate or unverifiable information from my consumer credit report. Additionally, per 15 U.S.C. 1681i, you are required to reinvestigate and promptly remove inaccurate data when the furnisher confirms that the disputed information is incorrect or no longer valid. 

I demand that the late payment for XX/XX/year> be deleted immediately from my credit report to prevent further harm to my creditworthiness, especially since the creditor has acknowledged the error and issued a correction notice to your agency. 

Attached are the following supporting documents for your review : A copy of the letter from XXXXXXXX XXXX  confirming deletion A copy of my drivers license ( ID Verification ) A copy of a recent utility bill or bank statement ( Proof of Address ) Please conduct your reinvestigation, and upon confirmation, remove this negative item from my credit report across all bureausExperian, Equifax, and TransUnionas required by law. Kindly send written confirmation once the deletion is completed. 
Respectfully XXXXXXXX XXXX XXXX XXXX  UCC-1-308 without prejudice

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 2025-03-12 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am writing to formally submit a complaint regarding the unauthorized breach of my student loan information under DOGE management. I was recently made aware that my personal data, including social security number, loan balance, financial institution information, address and phone number as well as account details was exposed due to a security incident. 

As a borrower, I entrusted DOE and SSA with safeguarding my sensitive financial and personal information. The breach of this data not only puts me at risk for identity theft and financial fraud but also raises concerns about the security protocols in place to protect borrowers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I reached out to these companies via phone call to dispute these hard inquiries that I did not verify the company would not remove them. They said they are not allowed to remove them.

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 2025-03-12 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: OH

Complaint narrative:
Hello. I've reached out about hard inquiries on my Transunion account. XX/XX/XXXX. 
I have no connection to and not doing any business with. These inquiries are causing negative effects to my credit profile and I'm requesting monetary relief. 
There are also inaccurate address still on my report that I am not connected to. Transunion is in penalty because they have not been removed. I am requesting monetary relief or penalty payments between $ XXXX {$1000.00} for each penalty/inaccurate information. 
The information from these inquiries have caused hardship, and are preventing me from getting approved for certain credit products, and I am requesting monetary relief for the penalties of these inaccuracies being reported and not being removed. If this cant be resolved, I will be hiring a FRCA lawyer. 

INACCURATE INFORMATION : XXXX. INACCURATE NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Laws not being followed : Consumer Laws : U.S.C XXXX XXXX REFERENCE.


15 U.S.C. 1681i ( a ) ( 5 ). 15 U.S.C. 1681 ( e ) ( b ). 15 U.S.C. 1681b ( a ) ( 3 ) ( D
).

15 U.S.C 1692 c.c XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX S.S # XXXX Phone # 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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lacy Katzen LLP
State: NY

Complaint narrative:
I received a garnishment notice from XXXX XXXX XXXX XXXX Department via Lacy Katzen LLP. The letter was dated XXXX XXXX in the amount of {$19000.00}. At which time I went to XXXX XXXX XXXX XXXX to verify that they hired Lacy Katzen LLP to garnish my wages. Since the court ordered garnishment was not present in the paperwork, we went to the county court, Supreme Court and searched all legal records in XXXX. I final stop was to the county clerk 's office, where a records search revealed that there never has been a judgement order from any court in XXXX for XXXX. I informed XXXX XXXX XXXX that the garnishment execution order was in fact, fraud. I sent XXXX an email describing the law along with XXXX XXXX garnishment requirements for employers to lawfully garnish my wages. XXXX XXXX ignored my request for verification of the garnishment and refused to make any attempt to verify through the courts XXXX XXXX clerk office. XXXX illegally garnished my wages with full knowledge that they had to see a judge 's signature, court 's name and phone number clearly printed on the paperwork. My final attempt to resolve this issue was on XXXX XXXX. Almost XXXX months later, they informed me that they have never seen a judge 's signature on any paperwork, no mention of a court or address. My final request was that they make sure that the garnishment came from a court and was legal. They refused me and as of the XXXX of XX/XX/year>, XXXX has illegally garnished my checks in the amount of {$3000.00}. Please get back to me. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-03-12 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
Incorrect Inquiries: 

XXXX XXXX XXXX XXXX XXXX XXXX

ADDRESS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
EMPLOYERS:

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 2025-03-12 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: OK

Complaint narrative:
Disputed multiple accounts multiple times and the credit bureaus- Experian, Equifax, and transunion have NOT corrected the inaccuracies.

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 2025-03-12 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I am submitting this complaint regarding grossly inaccurate and duplicate reporting of my XXXX XXXX account by Comenity Bank on my credit report. This false reporting has significantly harmed my credit score and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). I demand an immediate investigation and the complete removal of these erroneous entries. 

Details of the Issue : My credit report reflects four separate entries for a single XXXX XXXX account, each with different account numbers, which is misleading and completely inaccurate. 

The earliest account was closed in XXXX, while the most recent one was closed in XX/XX/XXXX. 

These duplicate accounts fraudulently inflate my number of closed accounts, creating the false appearance of multiple negative accounts when, in reality, I only had one. 

The reported closing dates and statuses are inconsistent across ALL these accounts, further proving erroneous reporting. 

I have attached screenshots of my credit report reflecting these inaccuracies. 

FCRA Violations : FCRA 605 ( a ) 7-Year Reporting Limit Negative accounts should only remain for 7 years from the date of first delinquency ( DOFD ). If an account was closed in XXXX, it should not be duplicated or extended under different account numbers. 

FCRA 609 ( a ) ( 1 ) & 611 Right to Accurate Reporting I have the right to accurate and verifiable reporting. The presence of multiple versions of the same account, each with conflicting details, violates my consumer rights and must be corrected immediately. 

FCRA 623 ( a ) Prohibition on Duplicate Reporting Creditors must not report the same debt multiple times under different account numbers, as it falsely inflates my credit burden and misrepresents my financial history. This is a clear violation of FCRA. 

FCRA 621 ( a ) Failure to Correct Inaccuracies I have attempted to resolve this issue with the credit bureaus, but they have failed to take proper corrective action. Given this continued failure, I am escalating this complaint to the CFPB for immediate enforcement action. 

I submitted 3 disputes with XXXX XXXX  starting in XXXX on XXXX and attached out the attachments of what appears on my credit report. Also included is the submission of me disputing with all credit bureaus and not getting any response and lastly the last attachment is the last dispute I submitted in XXXX. We are currently in XXXX and I still have yet to see or receive any response regarding this matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-12 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:
My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence. 

Late Payment Remarks Error : 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 2025-03-12 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: WV

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-03-12 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation