vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than XXXX  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 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 2025-04-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-01 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:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX FDCPA XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX XXXX for unlawful debt collection activity and inaccurate reporting on my credit reports. 

Account Information : Debt Collector : XXXX XXXX XXXX XXXX Original Creditor : XXXX Bank Account Number : # XXXX Balance : {$550.00} Violations : FDCPA 805 ( c ) : Failure to cease communication upon written request FDCPA 809 : Failure to validate alleged debt FCRA 609 ( a ) ( 1 ) : Failure to provide verification of debt FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate or unverifiable debt XXXX XXXX XXXX XXXX is reporting this collection account without furnishing any proof of ownership or validation. Despite my formal request for verification, they continue to report this debt to the credit bureaus without proper documentation.

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 2025-04-01 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: IL

Complaint narrative:
In a matter concerning egregious violations of federal consumer protection statutes. I have revealed a pattern of non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq., specifically : Unauthorized Furnishing of Consumer Reports ( FCRA 15 U.S.C. 1681b ( a ) ( 2 ) ) : Your entities have furnished consumer reports pertaining to our client without obtaining the requisite written instructions or permissible purpose, as mandated by 15 U.S.C. 1681b ( a ) ( 2 ).

Failure to Maintain Reasonable Procedures ( FCRA 15 U.S.C. 1681e ) : Your organizations have demonstrably failed to maintain reasonable procedures to ensure the accuracy and permissible use of consumer reports, as required by 15 U.S.C. 1681e.

Reporting of Obsolete Adverse Information ( FCRA 15 U.S.C. 1681c ( c ) ( 5 ) ) : You have reported adverse information exceeding the statutory seven-year limitation, in violation of 15 U.S.C. 1681c ( c ) ( 5 ).

Furnishing Inaccurate Information ( FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : You have furnished information that is known, or should have been known, to be inaccurate, thereby violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Violation of Consumer Privacy ( GLBA 15 U.S.C. 6801 & 6802 ) : The [ Furnisher of Information ] has failed to uphold its affirmative and continuing obligation to respect the privacy of its customers, as mandated by 15 U.S.C. 6801, and has improperly disclosed nonpublic personal information without providing the consumer with the requisite opt-out notice, as required by 15 U.S.C. 6802. Furthermore, the [ Furnisher of Information ] has failed to adhere to 12 CFR 1016.7, which allows consumers to opt out at anytime.

Revocation of Consent : Any and all prior consent, whether express or implied, to furnish consumer reports is hereby formally revoked.

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 2025-04-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In a matter concerning egregious violations of federal consumer protection statutes. I have revealed a pattern of non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq., specifically : Unauthorized Furnishing of Consumer Reports ( FCRA 15 U.S.C. 1681b ( a ) ( 2 ) ) : Your entities have furnished consumer reports pertaining to our client without obtaining the requisite written instructions or permissible purpose, as mandated by 15 U.S.C. 1681b ( a ) ( 2 ).

Failure to Maintain Reasonable Procedures ( FCRA 15 U.S.C. 1681e ) : Your organizations have demonstrably failed to maintain reasonable procedures to ensure the accuracy and permissible use of consumer reports, as required by 15 U.S.C. 1681e.

Reporting of Obsolete Adverse Information ( FCRA 15 U.S.C. 1681c ( c ) ( 5 ) ) : You have reported adverse information exceeding the statutory seven-year limitation, in violation of 15 U.S.C. 1681c ( c ) ( 5 ).

Furnishing Inaccurate Information ( FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : You have furnished information that is known, or should have been known, to be inaccurate, thereby violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Violation of Consumer Privacy ( GLBA 15 U.S.C. 6801 & 6802 ) : The [ Furnisher of Information ] has failed to uphold its affirmative and continuing obligation to respect the privacy of its customers, as mandated by 15 U.S.C. 6801, and has improperly disclosed nonpublic personal information without providing the consumer with the requisite opt-out notice, as required by 15 U.S.C. 6802. Furthermore, the [ Furnisher of Information ] has failed to adhere to 12 CFR 1016.7, which allows consumers to opt out at anytime.

Revocation of Consent : Any and all prior consent, whether express or implied, to furnish consumer reports is hereby formally revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 did not open the accounts remove now per set 605B

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 2025-04-01 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: CA

Complaint narrative:
i did not open the accounts remove now per set 605B

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 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I had money in my account then it was gone I had about XXXX and XXXX I had to make a whole new account with cash app I tried calling but was on hold for XXXX mins to an hour an the phone hung up this happened around XXXX, XXXX. At first i accepted the lose until I came across this page and seen cash app giving back to the community I was trying to see if I qualify for the settlement even if I dont have access to my old cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
My mortgage loan was transferred to Roundpoint mortgage by XXXX Mortgage. I did not receive notification of the assignment or servicing transfer. Round point erroneously reported the mortgage payment during the servicing mortgage transfer as XXXX  days late. I requested that they correct the inaccurate reporting to the credit bureaus and remove the derogatory payment history. I was assured that they would but it is still on my credit report. I was so distraught over the damage to by reputation that I just paid off the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, i tired to get a XXXX club card and got denied equifax is reporting that my business is high risk or have a delinquency score XX/XX/XXXX XXXX  to XXXX  fuel denied me for a XXXX  card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: SC

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 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 account, 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 2025-04-01 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$1600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX BALANCED {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$1100.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$310.00} XXXX XXXX XXXX XXXX BALANCED {$30.00} These accounts has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
charges ceased as of XX/XX/year> : Subject : Complaint Regarding Unauthorized and Fraudulent Transactions and Inadequate Dispute Resolution by Chime Bank " To the Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the repeated occurrence of unauthorized and fraudulent transactions on my Chime bank account, and the subsequent failure of Chime bank to provide adequate dispute resolution. 
Specifically, I have experienced numerous unauthorized debits from my account, with transactions originating from entities including, but not limited to, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and secures, and XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXXI have consistently communicated with Chime bank, providing detailed documentation of these fraudulent activities, including confirmation of identity theft and evidence demonstrating that I do not conduct transactions with these aforementioned merchants. My typical account usage is limited to peer-to-peer transfers. 
Despite my diligent efforts, Chime bank has repeatedly denied my dispute claims. Furthermore, even after my explicit requests to block these fraudulent merchants, unauthorized transactions have continued to be processed. I have also contacted XXXX directly, and they have refused to return the funds. 
As a direct result of these ongoing unauthorized transactions and Chime 's failure to protect my account, I have suffered severe financial hardship, including the loss of all my personal funds and the experience of homelessness. 
I have since taken extensive measures to secure my Chime account to the fullest extent possible, and I can confirm that no further fraudulent charges have occurred since XX/XX/year>. 
I have exhausted all available avenues to resolve this issue directly with Chime bank. I possess comprehensive documentation, including transaction records, communication logs, and a police report confirming identity theft, which I am prepared to provide. 
I respectfully request that the CFPB investigate Chime bank 's practices regarding fraud prevention and dispute resolution. I seek your assistance in recovering the funds lost due to these unauthorized transactions and ensuring that Chime bank implements appropriate measures to prevent future occurrences. 
I am available to provide any further information or documentation necessary to support this complaint. 
Thank you for your prompt attention to this critical matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) 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 2025-04-01 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: GA

Complaint narrative:
I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX  hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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.

XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccuracy ... XXXX XXXX XXXX with account # XXXX, XXXX XXXX XXXX  with account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX with account # XXXX, XXXX  XXXX  with account # XXXX, XXXX XXXX XXXX with account # XXXX, XXXX XXXX XXXX with account # XXXX, XXXX with account # XXXX, XXXX  XXXX  XXXX with account # XXXX, XXXX XXXX XXXX with account # XXXX, XXXX XXXX XXXX  with account XXXX XXXX, XXXX XXXX XXXX with account # XXXX, XXXX XXXX with account # XXXX, XXXX XXXX XXXX with account # XXXX, XXXX XXXX XXXX  with account # XXXX and Collection account from XXXX XXXX XXXX with account # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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