vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX*Federal Trade Commission** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXSubject : Formal Complaint Against TransUnion for FCRA Violations** To Whom It May Concern, I am writing to formally lodge a complaint against TransUnion for clear violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am alleging that TransUnion has engaged in deceptive practices by re-reporting accounts that I previously disputed and were subsequently deleted from my credit report. 

**Details of My Case : ** 1. **Reinsertion of Deleted Accounts** : The FCRA stipulates that any account that has been disputed and found to be inaccurate must not be reinserted into the credit report unless it is verified as accurate and the consumer is notified within five days. TransUnion has re-reported an account associated with XXXX XXXX XXXX XXXX XXXX XXXX  ) that was previously removed from my report. This action violates the reinsertion law under the FCRA.

2. **Investigation Results** : According to your investigation results ( XXXX Number : XXXX ), the disputed item was initially verified as accurate, and therefore, it was deleted. However, TransUnion later added this account back to my credit report without valid justification, demonstrating a clear disregard for the FCRA. 

XXXX. **Pattern of Deceptive Practices** : This behavior is not an isolated incident. It mirrors actions taken against XXXX, which was ordered to pay {$15.00} XXXX for improper investigations of credit reporting errors. XXXX 's failures to block identity theft-related information and to prevent previously deleted accounts from reappearing are similarly reflected in TransUnion 's practices. 

4. **Impact on Consumers** : The repercussions of these actions are severe. My credit score has been negatively impacted, resulting in a decrease of XXXX points since XX/XX/year>. This not only affects my creditworthiness but also my ability to secure loans and other financial opportunities.

**Request for Action : ** I urge both the CFPB and FTC to take immediate action against TransUnion for these violations. It is imperative that regulatory bodies enforce the FCRA to protect consumers from deceptive practices that undermine their financial stability and rights. 

I request an investigation into TransUnion 's practices and demand appropriate penalties to deter further violations. Additionally, I seek restitution for the damages caused by these inaccurate credit reporting practices. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely,

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 2025-03-08 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: CITIBANK, N.A.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX CBNA Attn : Credit Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of a hard inquiry that was placed on my credit report by your company. I recently reviewed my credit report and noticed the inquiry made on XX/XX/XXXX. After further consideration, I believe that this inquiry was either made in error or without my authorization. 
According to my understanding, hard inquiries should only be made with the consent of the individual or under specific circumstances, and I do not recall providing such authorization for this inquiry. Therefore, I respectfully ask that you review this matter and remove the inquiry from my credit report. 
I understand that credit reporting agencies have protocols in place for handling such disputes, and I am happy to provide any further information or documentation that may be necessary to facilitate the resolution of this issue.

I would appreciate your prompt attention to this matter. Please confirm in writing once the inquiry has been removed or if any additional steps are required from my side. 
Thank you for your time and understanding. 
Sincerely, 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 2025-03-08 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: IL

Complaint narrative:
I hope this message finds you well. Im writing to formally dispute an incorrect entry on my credit report. Upon reviewing the report, I noticed that there is inaccurate information that doesnt reflect my financial history, and Im requesting an immediate investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX SANTANDER Attn : Credit Department XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of a hard inquiry that was placed on my credit report by your company. I recently reviewed my credit report and noticed the inquiry made on XX/XX/XXXX. After further consideration, I believe that this inquiry was either made in error or without my authorization. 
According to my understanding, hard inquiries should only be made with the consent of the individual or under specific circumstances, and I do not recall providing such authorization for this inquiry. Therefore, I respectfully ask that you review this matter and remove the inquiry from my credit report. 
I understand that credit reporting agencies have protocols in place for handling such disputes, and I am happy to provide any further information or documentation that may be necessary to facilitate the resolution of this issue. 
I would appreciate your prompt attention to this matter. Please confirm in writing once the inquiry has been removed or if any additional steps are required from my side. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc.
State: IL

Complaint narrative:
Dear Sir/Medam, I am writing to formally raise a complaint regarding an unresolved issue with a {$200.00} transfer I made via the TapTap app on XX/XX/year>. According to the app, the money was marked as delivered. However, my recipient in XXXX has visited two different bank branches, and both have confirmed that the funds have not been received.

Despite multiple attempts to resolve the issue through your customer service helplinethree calls in totalI have not received any meaningful assistance. During my most recent call, I requested to speak with a supervisor, but the agent refused and disconnected the call without offering a resolution. This level of customer service is unacceptable and has only added to my frustration. 

It has now been 12 days since the transfer, and my recipient still has not received the funds. This delay is causing significant inconvenience and financial distress. I kindly request that you investigate the issue promptly, provide a clear explanation of why the transfer has not been completed, and ensure that the funds are delivered to my recipient as soon as possible. 
Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: INDEPENDENCE HOME LOANS LLC
State: IN

Complaint narrative:
I was contacted by independence home loans. I started to apply for a refinance. I paid for the appraisal. I was told the appraisal would cost XXXX, but they charged me XXXX for it. I got the appraisal complete. I was then made aware of different options I had by another company. I could apply for a 2nd mortgage and keep my 2.49apr on my original loan and I wouldn't incurr a bunch of closing cost. So I decided to move in that direction. When I started working with another bank I told them I had a appraisal already. So they requested my appraisal but independence home loans refuses to transfer it. When I called them they said they do 2nd morgages as well. I told him to quote me for it and refused to quote me a 2nd morgage. When I texted with XXXX from their company he was very rude and cruel and lied. I have text messages to confirm this accusation as well. As of right now they are holding appraisal XXXX because they treated me like a piece of trash and I went somewhere else.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-08 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: MI

Complaint narrative:
Ive reported inaccurate information on my credit report XXXX times to all XXXX  bureaus including equifax, but Equifax is the only reporting agency that refuses to investigate any of my disputes. Equifax comes back with a stall letter. I have XXXX in my possession right now. They say they cant read the XXXX XXXX the information uploaded here but XXXX and XXXX has both responded several times. 
The bankruptcy is not accurate reporting. I have no bankruptcy on none of the other bureaus. 
Neither is XXXX XXXX account with the balance of XXXX. 
The reporting agencies must all report the same info and it must be complete and accurate according to the credit reporting laws. 
XXXX XXXX XXXX {$2400.00} XXXX {$11000.00} XXXX {$4900.00} XXXX {$4900.00} XXXX XXXX  {$1600.00} Each of these accounts are reporting inaccuracies. They have missing information. They are reporting illegal information. They re-age my accounts. They list info thats inaccurate such as they report me as being charged off every month. This is inaccurate and illegal. 
XXXX XXXX  has me 180 days late every month for over a year. This is blatantly inaccurate. How is this coming back verified? 
XXXX XXXX  This account is reporting inaccurate information. This account was not sold to XXXX. This account payment history is inaccurate. The date of open is the wrong year. I opened this account on XX/XX/XXXX. The last payment information is inaccurate. It was XX/XX/XXXX. Please correct my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: IL

Complaint narrative:
I recently reviewed my Experian credit report XX/XX/year> and identified multiple inaccuracies and incomplete information. As per the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they provide. The following accounts listed in my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : The accounts, names, address, Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure maximum accuracy of reported information. However, the details of this account contain multiple discrepancies and errors, violating federal reporting guidelines.

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 2025-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XX/XX/XXXX Attn : Credit Department XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of a hard inquiry that was placed on my credit report by your company. I recently reviewed my credit report and noticed the inquiry made on XX/XX/XXXX. After further consideration, I believe that this inquiry was either made in error or without my authorization. 
According to my understanding, hard inquiries should only be made with the consent of the individual or under specific circumstances, and I do not recall providing such authorization for this inquiry. Therefore, I respectfully ask that you review this matter and remove the inquiry from my credit report. 
I understand that credit reporting agencies have protocols in place for handling such disputes, and I am happy to provide any further information or documentation that may be necessary to facilitate the resolution of this issue. 
I would appreciate your prompt attention to this matter. Please confirm in writing once the inquiry has been removed or if any additional steps are required from my side. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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 ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: GA

Complaint narrative:
As of today, XX/XX/year> to my knowledge, my Experian account has been compromised and the attacker has changed both the email and phone number associated with the account, and I've tried calling multiple Experian support lines however they always just direct me to a robot and not an actual person. This robot will not allow me to either change the information associated with the account or direct me towards an actual person on the line either. Thankfully so far nothing has been taken, however I've been receiving multiple amounts of emails of an individual attempting to get inquiries in regards to loans using my information, and I did put a security freeze on all three Credit Bureaus but the only one I've noticed with an account being compromised is Experian.

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 2025-03-08 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:
Date : XX/XX/2025 Subject : Request for Deletion and Blocking of Accounts Due to Data Breach - 15 USC 1681c-2 ( a ) I am writing to inform you that I am a victim of the recent data breach and to formally request that all accounts linked to my name, as outlined in your records, be blocked and deleted in accordance with 15 USC 1681c-2 ( a ).

As per the provisions of this law, I am requesting that you take immediate action to block and delete any and all accounts that were exposed during the breach, as well as any other related information that is now compromised. This includes, but is not limited to, any fraudulent accounts or personal data that may have been misused as a result of the breach. 
Please confirm in writing that these actions have been taken and provide me with any relevant documentation. If further verification or identification is required to process my request, kindly inform me of the necessary steps. 
Thank you for your prompt attention to this matter. I trust that you will act swiftly to protect my rights under the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I noticed my credit with Experian was completely blank. The other reports remain untouched. Today I went onto my report and saw that I have a XXXX balance and my credit is lower. I attempted to call but the automated system will not move me through to a representative to discuss my concerns to seek clarification reporting that only certain issues connect to a live person and then it hangs up. I Need to know what happened to my credit history as it's completely gone and then I have XXXX item on it that is negatively impacting my credit. I had a fico score. Then it was blank reporting I needed to build credit to obtain XXXX. Now there is XXXX and I am seeking clarification.

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 2025-03-08 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: NC

Complaint narrative:
I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 30 days now, and I have received no response at all. I sent the first notice on XX/XX/year>, and again on XX/XX/year>. Each notice was sent via USPS Priority Mail and was verified as delivered via the USPS tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.

Company response to consumer: Closed with non-monetary relief