vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a compliant against Cash App ( Block , Inc ) due to inadequate customer service and unfair Practices, which violate the Consumer Financial Protect

ion 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-07 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 never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. Remove the following inquiries 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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as a formal dispute and legal demand for the immediate correction and deletion of an inaccurate late payment reported on my credit file for my XXXX  account ( # XXXX ) in XX/XX/XXXX. This reporting is false, as I have maintained perfect payment history since opening this account in XX/XX/XXXX. 

I have never been late on any payment, and this erroneous derogatory mark is a violation of multiple federal laws, causing harm to my credit score and financial reputation. I have already contacted XXXX, and they admitted that this was a mistake on their part, not mine. Despite their promise to correct it, the error persists, which means XXXX and your agency are knowingly reporting inaccurate and unverifiable information in violation of federal law. 

Legal Violations Committed : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) You are required to maintain maximum possible accuracy in reporting consumer information. The continued reporting of this false late payment proves negligence in ensuring accuracy. 
FCRA 15 U.S.C. 1681i ( a ) Once a dispute is filed, you must conduct a reasonable reinvestigation within 30 days. If the information can not be verified with certified documentation, it must be deleted immediately. 
FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX  is prohibited from furnishing inaccurate information to credit bureaus. If they knowingly report false information, they are directly violating the FCRA and subject to legal action. 
FCRA 15 U.S.C. 1681s-2 ( b ) If a consumer disputes an item, the furnisher ( XXXX  ) must conduct a full investigation, correct the record, and notify the credit bureaus. Their failure to do so constitutes reckless disregard for federal law. 
FCRA 15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA makes XXXX and your agency liable for damages, statutory penalties, attorneys fees, and potential class action lawsuits. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Reporting false credit information is deceptive and unlawful under the FDCPA. Continuing to report a false delinquency after notification is a direct violation of consumer protection laws. 
Metro-2 Compliance Violations The credit reporting industry must adhere to Metro-2 data standards to ensure that reported data is accurate and legally compliant. This erroneous late payment is in direct non-compliance with Metro-2 guidelines and regulatory requirements. 
Immediate Legal Demands : Pursuant to FCRA 15 U.S.C. 1681i, I demand that you : Immediately reinvestigate this inaccurate reporting and provide documentation verifying its accuracy. 
Delete this false late payment entry and provide a corrected credit report. 
Notify me in writing once the correction has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
XXXX XXXXXXXX credit card XXXXXXXX XXXX XXXX Where lost or stolen and were used fraudulently. My credit is now ruined. 2024 I moved and relocated not sure when my identity was stolen. Im reporting this to you guys so that you guys may fix my credit and fix any issues that I may have. Ive already contacted XXXX XXXX. They failed to help me. 

I cant discover they failed to believe me.

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 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I hope all is well. I made two payments on my Macys XXXX credit card because I was giving the wrong information by an agent that I needed to make another payment because the first payment didnt go through and agent told me when I asked several times it was not going to retry but it did after I made another payment of {$280.00}. 
I requested for the second payment of {$280.00} to be returned to my XXXXXXXX XXXX  account they said it would take 8 days its been way over 8 days and the payment of {$280.00} is still not returned to my account. Can you please return the {$280.00} because it was not my fault I was given the wrong information by an agent thats why two payments were made. Thank you for your time. Have a wonderful day!

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 2025-02-07 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: MI

Complaint narrative:
I noticed SBNASELFLNDR and Experian furnishing illegal information on my consumer report. There is a late payment reflected on XX/XX/year>. Congress states that late payments are excluded from being reported per 15 U.S. Code 1681a. Therefore, this furnishing is illegal and bearing on my credit worthiness.

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 2025-02-07 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-02-07 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: DE

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: W&A Intermediate Co., LLC
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, Wakefield and Associates XXXX : # XXXX, XXXX XXXX XXXX System : # XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : # XXXX : has violated my rights. 

15 U.S.C. 1681 Section 602 A, states | have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: KS

Complaint narrative:
Dispute letter Friday, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, KS XXXX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

Please verify or remove immediately the following accounts : XXXX XXXX or XXXX XXXX Remarks PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF I am a victim of identity theft and I never opened this account.

Please remove this inaccurate information from my credit report.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I have previously complained about this accounts as not mine. I have reached out to affirm on when the accounts were opened but they did nit want to give me any information and they suddenly dispersed these account to different collections agency without any resolution first. I want Affirm be taken out of my credit report as this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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. Cash App specifically failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Also, the dispute resolution process was unfair and deceptive, as cash App did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. This has caused inconvenience and financial loss. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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.
State: NY

Complaint narrative:
I'm writing to request to DELETE of the following information from my file. I have identified inaccurate, negative, and harmful information on my credit file that is affecting my score. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

Based on Section 15 USC 1666b & 1637 ( b ), I demand to see verifiable proof ( of the mailing or delivery of the information required by Section 1666b ) you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I have also read that the CFPB recently investigated and found that, in many cases, you failed to properly review consumer disputes and allowed previously corrected errors to reappear on reports. These practices not only violate the FCRA but also have a serious impact on families ' financial well-being, as highlighted by the CFPB Director. 

I have enclosed copies of documents that support my request. I appreciate your attention to this matter and expect a written response with the results of your investigation within 30 days, as mandated by the FCRA. I trust that you will act fairly and responsibly to correct any inaccuracies in my credit report. 

Account in question : XXXXXXXX XXXX XXXX  Account ending XXXX, a 30-day late payment has been inaccurately reported.

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