vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
I am writing to file a formal complaint against TransUnion for conducting an inadequate and insufficient investigation into a dispute I raised regarding inaccurate information on my credit report. 

I submitted a dispute to TransUnion concerning inaccurate account information related to litigation. However, TransUnion 's investigation did not comply with the standards set by the Fair Credit Reporting Act ( FCRA ), particularly under Section 1681i. This section requires credit bureaus to conduct a reasonable investigation of disputed information within 30 days and to correct or remove any inaccurate or incomplete data.

Despite providing clear details on the issue, TransUnion 's investigation was insufficient and did not resolve the dispute. They failed to perform a reasonable review, as stipulated in Section 1681e ( b ), which mandates credit bureaus to ensure the accuracy and integrity of the information they report. As a result, the incorrect information remains on my credit report, which has caused financial harm and negatively affected my credit score.

Under the FCRA, I am entitled to a thorough and fair investigation of my dispute, and TransUnion has failed to meet this obligation. I request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion complies with its duties under the FCRA.

Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to ensure that TransUnion addresses this issue in compliance with the law.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have been using cash app and multiple refunds never went through

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MI

Complaint narrative:
there are illegal information and transactions posted on my credit report that I did not authorize this and due to the data breach i have suffered serious injury. I demand that all transactional information to be deleted and removed from their systems. my name and address to be removed, employment be removed and spouse name. that is private information and a violation of my private rights ; closed accounts need to be removed. These agencies MUST comply due to the violation of the Gramm-Leach-Bliley Act ( GLBA ). The CFPB stated this in the Consumer Financial Protection Circular 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 2025-02-04 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: MI

Complaint narrative:
there are illegal information and transactions posted on my credit report that I did not authorize this and due to the data breach i have suffered serious injury. I demand that all transactional information to be deleted and removed from their systems. my name and address to be removed, employment be removed and spouse name. that is private information and a violation of my private rights ; closed accounts need to be removed. These agencies MUST comply due to the violation of the Gramm-Leach-Bliley Act ( GLBA ). The CFPB stated this in the Consumer Financial Protection Circular XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
XXXX XXXX Inquiry : XXXX XXXX, 2025 XXXXXX/XX/XXXX Inquiry : XXXX XXXX, 2025 XXXX XX/XX/XXXX Inquiry : XXXX XXXX, 2025

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-04 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: MD

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XX/XX/XXXX AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: VA

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer XXXX report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

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 2025-02-04 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: TX

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I am unaware of their origins. Per USC 1681g, I am formally requesting their deletion within 15 days. Relevant documents are included for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: NJ

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

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 2025-02-04 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-04 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: CO

Complaint narrative:
I am filing this complaint against equifax and transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and Transunion consistently responds within 24 hours stating the account accurate, without providing any evidence of a through investigation. The practice violates the Fair Credit reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. XXXX XXXX is the account in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
Bureau of Consumer Financial Protection XXXX XXXX XXXX XXXXXX/XX/XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXOhio XXXX Subject : Experian Failing to Conduct Proper Investigations and Verifications Complaint : I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as inaccurate in my credit report. Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : 1. Experian has failed to notify me of the methods used to verify the disputed accounts.

2. Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy.

3. My disputes have been dismissed without proper reinvestigation, as required by law.

I request that the Consumer Financial Protection Bureau intervene to ensure that Experian adheres to its legal obligations under the FCRA.

I demand the following actions : A proper investigation of all disputed accounts.

Written documentation of the verification method : used. Immediate correction or deletion of any unverifiable inaccurate information. Experian 's neglect of its investigative duties is unacceptable and has caused me unnecessary financial and emotional distress.

Thank you for your attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
Bureau of Consumer Financial Protection XXXX XXXX XXXX XXXXXX/XX/XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXOhio XXXX Subject : Experian Failing to Conduct Proper Investigations and Verifications Complaint : I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as inaccurate in my credit report. Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : 1. Experian has failed to notify me of the methods used to verify the disputed accounts.

2. Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy.

3. My disputes have been dismissed without proper reinvestigation, as required by law.

I request that the Consumer Financial Protection Bureau intervene to ensure that Experian adheres to its legal obligations under the FCRA.

I demand the following actions : A proper investigation of all disputed accounts.

Written documentation of the verification method : used. Immediate correction or deletion of any unverifiable inaccurate information. Experian 's neglect of its investigative duties is unacceptable and has caused me unnecessary financial and emotional distress.

Thank you for your attention to this matter. 



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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Per companys response the original company charged off the debt in which means they tood a tax credit in which they should have sent me a 1099-C in order so I can claim as income for tax proposes. LVNV Funding LLC states in their letter they aquired the account XX/XX/XXXXXX/XX/XXXX with Resurgent Capital Services L.P as the servicer of the account. The account originated XX/XX/XXXX with XXXX XX/XX/XXXX. The account charged off with a balance of {$2300.00}. If the account was charged off on XX/XX/XXXXXX/XX/XXXX wth the original owner and a tax credit received and than sold to curent owner for the same amount. Than this would be a federal law violation. I request the LVNV Funding LLC provide me current statement show the amounts XXXXXX/XX/XXXXor Resurgent actually paid for this account in order for the correct balanced owned is reported on my credit repport. Failure to report the correct balance on one credit report is fraud and will need to be deleted from all reporting agencies. I also still request a 1099-C for tax purposes for this charge off account. Faliure to provide any of this information will result with me failing a Class Action Law Suite .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> I sent my FTC report and my ID to Experian and TransUnion. Those fraudulent accounts are still reporting to my consumer 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 2025-02-04 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: NC

Complaint narrative:
They reported the same account # twice on my report with two different amounts the same date. Account # XXXX. Please remove in correct information according to the FCRA 15 U.S.C 1681i on the Federal Reporting Act.

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 2025-02-04 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : TRANUSNION Account Name : XXXX XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

EQUIFAX Account Name :XX/XX/XXXX Account Number : XXXX Reason : This account is incorrectly reporting that I have 1 late payments. On my Transunion report there are 0 late payments being reported. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

EXPERIAN Account Name :XX/XX/XXXX Account Number : XXXX Reason : This account is incorrectly reporting that I have 2 late payments. On my Transunion report there are 0 late payments being reported. 

TRANUSNION INQUIRIES : XXXX on XX/XX/XXXXXX/XX/XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXXXX/XX/XXXX on XX/XX/XXXX EQUIFAX INQUIRIES : XXXX XXXX XXXX on XX/XX/XXXXXX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/XXXX on XX/XX/XXXX EXPERIAN INQUIRIES XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX on XX/XX/XXXX XX/XX/XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXX/XX/XXXX on XX/XX/XXXX XXXX XX/XX/XXXXon XX/XX/XXXX. 
XXXXXX/XX/XXXXon XX/XX/XXXX XX/XX/XXXX on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$27000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$27000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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 non-monetary relief