vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
subject : Urgent Complaint Regarding Unresolved Billing and Payment Dispute for TXXXX XXXX XXXX Dear Recipient, I am writing to formally file a complaint regarding the unresolved billing and payment issues with my XXXX XXXX XXXX XXXX from XXXX XXXX, made in XXXX. At the time of purchase, I had a great credit score and followed the advice of a XXXX XXXX customer service representative to set up automatic monthly payments in order to pay off the balance within the XXXX promotional period and avoid deferred interest charges. 

After receiving my bill, I promptly set up the automatic payments, believing I was adhering to the agreement. However, after XXXX months, I received a notice indicating that my balance had increased. While I was expecting to have approximately {$900.00} remaining, I was shocked to learn that I still owed over {$3900.00}. I immediately contacted customer service, but despite my efforts to resolve the issue, the representative was unhelpful and unwilling to find a fair resolution. 

As a result, this bill has now been sent to collections, and I am facing significant personal and professional consequences. I am currently serving in the XXXX XXXX as a XXXX XXXX XXXX and I have been notified that my position may be in jeopardy if this credit issue is not resolved promptly. Given my limited pay and existing financial obligations, this situation is placing an enormous strain on my ability to secure my position in the military. 

I respectfully request that your office investigate this matter and help facilitate a resolution. I am seeking a correction of my account balance to reflect the original terms I was promised, and assistance in ensuring that this issue does not further affect my military career and financial stability. 

Thank you for your attention to this matter. I am in urgent need of assistance, and I look forward to your prompt response and support in resolving this issue. 

Sincerely, XXXX, XXXXXXXX XXXX XXXXXXXX

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 2025-02-11 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: GA

Complaint narrative:
XXXX XXXX and XXXX XXXX put an inquiry on my credit report without my consent and I want it removed because its hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
XXXX XXXX and Capital One put an inquiry on my credit report without my consent and I want it removed because its hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I have recently being subjected to multiple abusive and disturbing phone calls and texts from different collection agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX and Credence Resource Management LLC with phone number XXXX, regarding an old XXXX XXXX XXXX account that I have close since ending of XXXX. They are requesting a debt payment that seems fraudulent because I withdrew my name from my spouses account to move to XXXX and I didnt use an XXXX account that is worth paying a bill of XXXX XXXX As Ive fully returned the phone I have initially taken from them and successfully closed all accounts. 

I am a credit worthy user and have never been behind in my usage of credit and a current report has dented my credit progress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-02-11 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 communicated with all three bureaus, Experian, Equifax and Transunion about XXXX handling of my credit bureaus about being denied access to my reports, submitting documentation other than the reports and then refusing to do anything about them even with documentation Against 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 2025-02-11 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: NY

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$590.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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 is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$590.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I opened an account with Coinbase years ago and bought some XXXX. I have traded very infrequently since and, though I have maintained my account with them, I have not been following the investment closely. 
About a month ago, I tried to log into my account. The site rejected my attempt saying that the user XXXXXXXX was wrong. 
I could not find a functioning telephone number other than XXXX that directs me to the troubleshooting website. 
Using that site, I have tried multiple times to have the right info sent to me by email/text and, when I enter the info sent to me, I am still being rejected. 
I am unable to buy/sell my assets and, for all intents and purposes, the firm has impounded my holdings. I need help. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 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: PA

Complaint narrative:
I have reached out to Transunion, Experian, and Equifax to fix the billing inaccuracies on this account. The payments has always been made on time. I am reaching out for the late payments to be removed. This account ( XXXX XXXX - XXXX ) is reported on my consumer XXXX credit report wrong. 

Under the FCRA, 15 USC 1681i - Procedure in case of disputed accuracy If the information can not be verified, it must be deleted or corrected.

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 2025-02-11 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: PA

Complaint narrative:
I have reached out to Transunion, Experian, and Equifax to fix the billing inaccuracies on this account. The payments has always been made on time. I am reaching out for the late payments to be removed. This account ( XXXX XXXX - XXXX ) is reported on my consumer XXXX credit report wrong. 

Under the FCRA, 15 USC 1681i - Procedure in case of disputed accuracy If the information can not be verified, it must be deleted or corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: AZ

Complaint narrative:
I hope you give attention to this issue. Given how important my credit is to me, I would just really appreciate it if you can take immediate steps to remove the incorrect information from my credit report. It would really help me with my peace of mind and especially with my financial goals.

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 2025-02-11 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: NJ

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with USC 1681g, I ask that they be removed within 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: KS

Complaint narrative:
I received an email from XXXX of my banking apps that my password was compromised in a data breach. I need these inquiries removed from XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of account below has violated my rights : 15 U.S.C 1681Section 604 A States I have the right of privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not 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 of records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s_2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any information is inaccurate. 
please remove or delete inquiries that I don't recognize XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: AR

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MN

Complaint narrative:
It was a data breach I have incorrect data on my credit reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: SC

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with USC 1681g, I ask that they be removed within 15 days. Relevant documents are attached for your review.

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 2025-02-11 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: NJ

Complaint narrative:
I am writing to bring to your attention a serious issue regarding an unauthorized account that has been opened under my name. This account is fraudulent, and its existence on my credit report is a direct result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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 am writing to bring to your attention a serious issue regarding an unauthorized account that has been opened under my name. This account is fraudulent, and its existence on my credit report is a direct result 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 2025-02-11 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: NV

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. 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 any 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 seven 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 of 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Roughly a year and a half ago I had a {$3000.00} limit with Goldman Sachs ( apple ). I made a payment for the full balance due on the card, they took that opportunity to reduce my limit to {$2000.00}. So over the course of time since then, I decided not to pay the full balance because I would be in jeopardy of them reducing my limit again. Over a year has gone by, with on time payments, and I figured it wouldnt happen again. Nope. I made a payment for the full balance due, and my limit was decreased AGAIN. This also affects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: MI

Complaint narrative:
XX/XX/XXXX asked for letter of deletion. Was not provided. I was a victim of identity and did not receive products being claimed in the amount of {$8600.00}

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 explanation
Consumer complaint received 2025-02-11 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: VA

Complaint narrative:
I am filing this complaint due to the credit bureaus ' failure to properly investigate and resolve discrepancies in my credit report. Despite submitting a dispute regarding inaccurate information, the credit bureaus have not conducted a proper investigation and have failed to correct the errors. 

I recently reviewed my credit report and noticed that there are several inaccurate items such as late payments, charge offs, and collections that are negatively impacting my credit score. I disputed these inaccuracies with the credit bureaus, Equifax, Experian, and TransUnion since XXXX, providing supporting documentation to show that the information is incorrect.

However, the credit bureaus have failed to conduct a proper investigation or provide a satisfactory response. They either did not respond to my dispute or provided an incomplete or incorrect resolution that did not address the inaccuracies. The incorrect information remains on my credit report, and I have not received any meaningful explanation or follow-up from the bureaus about their investigation.

This has caused a significant negative impact on my credit score and financial well-being, and I am requesting your assistance in ensuring that the credit bureaus follow the proper procedures under the Fair Credit Reporting Act ( FCRA ). 


I am requesting that the Consumer Financial Protection Bureau help ensure that the credit bureaus follow the law and properly investigate my dispute. I request that the incorrect information be removed or corrected from my credit report and that I receive confirmation of this action. Additionally, I request that the credit bureaus provide a full explanation of their investigation process and the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize this inquiry and had no interaction with the lender on the mentioned date

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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I have requested my transcripts and have refused to provide according to the new federal law.

Company response to consumer: Closed with explanation