vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I am filing a complaint against Transunion, XXXX XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my many submissions, they consistently responded within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. WHICH IT IS NOT, AND I HAVE STATED THIS MULTIPLE TIMES. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX XXXX Transunion complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX is the account that I have disputed multiple times and not once have they removed it from my credit report, which violates 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 non-monetary relief
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
MY CONSUMER REPORT IS REPORTING INACCURATE AND UNVERIFIED ACCOUNTS. THESE ACCOUNTA ARE A VIOLATION OF THE FCRA BECAUSE THEY HAVE XXXX  INACCURACIES IN THE DATE OF LAST ACTIVITY AND THE PAYMENT HISTORY. ALL OF THESE ACCOUNTS ARE SHOWING DIFFERENT INFORMATION IN THE PAYMENT HISTORY, DATE OF LAST ACTIVITY/STATUS DATE BETWEEN ALL EQUIFAX, XXXX AND XXXX. DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX ) ( XXXX XXXX ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HAVE UNAUTHORIZED INQUIRIES REPORTING ON MY CONSUMER REPORT. I DID NOT AUTHORISE THE ACCOUNT TO PULL MY CONSUME REPORT. THEY HAD NO PERMISSABLE PURPOSE AND IS IN VILATION OF FCRA LAW. DELELTE VERY INQUIRY I HAVE LISTED IN THE RESOLUTION AREA IN THIS COMPLAINT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
MY CONSUMER REPORT IS REPORTING INACCURATE AND UNVERIFIED ACCOUNTS. THESE ACCOUNTA ARE A VIOLATION OF THE FCRA BECAUSE THEY HAVE XXXX  INACCURACIES IN THE DATE OF LAST ACTIVITY AND THE PAYMENT HISTORY. ALL OF THESE ACCOUNTS ARE SHOWING DIFFERENT INFORMATION IN THE PAYMENT HISTORY, DATE OF LAST ACTIVITY/STATUS DATE BETWEEN ALL XXXX, XXXX AND EXPERIAN. DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX ) ( XXXX XXXX ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HAVE UNAUTHORIZED INQUIRIES REPORTING ON MY CONSUMER REPORT. I DID NOT AUTHORISE THE ACCOUNT TO PULL MY CONSUME REPORT. THEY HAD NO PERMISSABLE PURPOSE AND IS IN VILATION OF FCRA LAW. DELELTE VERY INQUIRY I HAVE LISTED IN THE RESOLUTION AREA IN THIS COMPLAINT.

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint against Goldman Sachs Bank USA, issuer of the Apple Card, for their failure to properly resolve a legitimate transaction dispute ( Case # XXXX ) in violation of Regulation E and the Fair Credit Billing Act. 

**Key Details : ** 1. **Transaction : ** {$21.00} charge from temu.com on XX/XX/year> XXXX. **Dispute Case # : ** XXXX XXXX. **Issue : ** Goldman Sachs wrongfully denied my dispute claiming " the merchant previously issued a credit, '' despite no evidence of such credit being provided. 

**Chronology of Events : ** - I filed a dispute on [ Dispute Filing Date ] for unauthorized/non-received goods. 
- A temporary credit of {$21.00} was issued during the investigation. 
- On [ Decision Date ], Goldman Sachs closed the case without resolving the issue, stating the merchant had already issued a credit. No documentation supporting this claim was provided. 
- The temporary credit is now being reversed, forcing me to pay for a transaction I never authorized or received. 

**Formal Allegations : ** - Failure to conduct a proper investigation under 15 U.S.C. 1666 - Violation of Regulation Z by not providing written evidence supporting their decision - Unfair reversal of provisional credit without justification **Requested Resolution : ** 1. Permanent removal of the {$21.00} charge 2. Full reinstatement of the provisional credit 3. Correction of all credit reporting related to this matter 4. Detailed documentation proving the alleged merchant credit Attached : Transaction records, dispute correspondence, and case details. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
When I was in the military in XXXX, XXXX I was a victim of identity theft with a credit card account opened in my name at XXXX XXXX XXXX XXXX for {$14000.00}. During that time I filed a report with XXXX because other XXXX were being hacked as well. I later learned that I was a victim of the XXXX XXXX breach which I have reason to believe that it could have played a role in the reason that my information was compromised. XXXX XXXX debt collection is still currently on my credit reports for all three bureaus which has been affecting my life in many ways. I would like all collections dealing with those fraudulent accounts be deleted from my credit report as per FCRA 605B ( 15 U.S.C 1681c-2 ). I have filed this report before to Experian and it was not properly investigated and was marked as " frivolous. '' I still have the letter where they told me they would not reinvestigate due to it being a " frivolous dispute '', because ive disputed this collection before that was a result of identity theft. And Due to recent lawsuits filed against Experian in XX/XX/XXXX. I insist you conduct an investigation as you are required by the FCRA Law. I will explicitly say do not accept the findings of the furnisher, who do not provide thorough results of their investigation. Which I ask you provide 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 FCRA which is federal law. This collection has been extremely hard to deal with and Experian has made it harder these past years. Also since my last dispute XXXX XXXX changed the charge off from from XX/XX/XXXX to make it past due in XXXX of XXXX ( the month after I deputed ) which is illegal to report false information on my credit report- I need that fixed as soon as possible. I will start seeking legal help if I can't fix it myself. I have provided my state issued ID ( identification card ) and Mail from my current mailing to verify my identity. I have also provided a copy of Id Theft Report affidavit and a copy of my XXXX XXXX request which is the police report I filed when I was in the military and a victim of identity theft.

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 2025-01-28 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:
I did not authorize this inquiry and had no interaction with the lender on the mentioned date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
I changed my phone number recently. When I went to log in to Robinhood with my email and password it is prompting me to verify but only with my phone number, email is not an option. I no longer have access to that phone number so I can not get into my account. There is no way to request support unless you are logged in through your account. I tried calling their number and you are directed to login. I contacted them through email, XXXX, XXXX and XXXX. They responded on XXXX saying you can continue without app but that is not listed as an option, you can only login, forgot password, forgot email, or log in to someone elses account. There is no way to receive help from this company when you can not get into your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$910.00} Open Date XX/XX/XXXXXXXX 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}

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 2025-01-28 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: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-01-28 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: NJ

Complaint narrative:
I went to apply for a mortgage and have been denied because there are several accounts, aliases and addresses reporting to my Experian credit report that are not mine. We have identified the individual to whom they belong too, submitted an affidavit to Experian, they provided results for a few of the accounts but failed to fully investigate the rest of them and now they are telling me that my information is no longer in the system and they have no record of filing any disputes or submitting the affidavit. I will lose out on the home I have placed an offer on and deposit if they do not correct this issue immediately. 

PLEASE ASSIST ME RIGHT AWAY TIME IS OF THE ESSENCE FOR MY HOME PURCHASE.

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 2025-01-28 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2025-01-28 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: SC

Complaint narrative:
I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( BLock, Inc. ) due to inadequate customer service and unfair practices, which violate the CFPA. Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 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 2025-01-28 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-28 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: RI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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