vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$750.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$750.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am not able to reach customer service several times is trying to reach them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX  XXXX Balance Owed : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint on cash app ( block Inc ) Due to inadequate customer service and unfair practices which violates the customers financial protection act specifically, Cash App failure to take time and effective measures to prevent address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute and resolution process was unfair and deceptive and they did not comply with error resolution require requirements under the electronic transfer act and regulation E and these actions have caused significant inconvenient financial losses and I seek the appropriate Redress of these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, Im writing to dispute multiple accounts on my credit report that Experian has failed to properly investigate. Ive recently learned about the CFPB lawsuit against Experian, and it seems the issues theyre being sued for are the same ones Ive experienced.

Here are the accounts Im disputing : Account Name : XXXX XXXX XXXX, Account Number : Issue : XXXX, Issue : Unverified Account Account Name : XXXX XXXX XXXX, Account Number : XXXX, Issue : Unverified Account Account Name : XXXX XXXX XXXX, Account Number : XXXX, Issue : Unverified Account I provided clear evidence to support my disputes, but it seems like Experian didnt actually investigate these accounts. From what I can tell, you just accepted whatever the companies who reported the accounts told you, even though their responses didnt make sense or address my concerns. 
To make things worse, the response I received from Experian didnt explain anything. It didnt tell me how these accounts were verified or provide any proof. In some cases, it feels like you mightve put back old, inaccurate information onto my report without notifying me, which is against the law.

Heres what I need you to do : 1. Reinvestigate each account listed above and make sure you actually verify the information with proper evidence.

2. Remove any incorrect or unverifiable accounts from my credit report.

3. Send me detailed results showing how you inve
stigated these accounts and include any proof you used to verify the information.

4. Make sure these accounts arent added back to my report unless theyre proven accurate, and you notify me in writing.

Please resolve this within 30 days as required by the Fair Credit Reporting Act. If this isnt fixed, Ill file a complaint with the CFPB and consider further legal action to protect my rights. 
Thank you for handling this quickly. I look forward to hearing from you soon. 
Sincerely, 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 2025-02-01 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove this account before I see litigation for defamation of character. ) XXXX XXXX XXXX balance {$5800.00}. ( please remove these inquiries ) 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 non-monetary relief
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Demand for Method of Verification Unverified Account Dispute. Accounts are listed below. 
Account Name : XXXX XXXX XXXX XXXX XXXX Issue : Unverified Account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unverified Account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unverified Account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unverified Account Account Name : XXXX XXXX XXXX XXXX XXXX Issue : Unverified Account To Whom It May Concern : I am writing regarding an account reported on my credit file that I believe is inaccurate and unverified. I recently reviewed my credit reports from all three major credit bureaus, and this account does not appear to have been properly investigated.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of any information you report and conduct a thorough investigation when a consumer disputes the validity of an account. Based on my review of reports available to me, I believe this account is inaccurate, and your failure to properly verify it is unacceptable. 
I am also aware of the recent lawsuit involving the Consumer Financial Protection Bureau ( CFPB ) and XXXX, which highlights failures in proper investigations and handling of consumer disputes. I urge you to ensure that your practices align with the standards required under the FCRA. 
To resolve this matter, I demand the following : 1. A detailed Method of Verification ( MOV ) that outlines how the information for this account was verified, including : The name and contact information of the party who provided verification. The exact steps taken to investigate my dispute.

Copies of any documentation used during the investigation process.

2. Immediate action to either perform a thorough reinvestigation or delete the account from my credit file if verification can not be properly substantiated.

Please note that under 15 U.S.C. 1681i ( a ) ( 7 ), I have the right to be provided with a detailed description of your reinvestigation process and the method by which you verified the account. Your failure to provide this information will leave me no choice but to escalate the matter further. 
If you can not verify this account within the legal timeframe, I demand its immediate deletion from my credit file. Continued reporting of inaccurate information is a violation of federal law and may result in a complaint filed with the CFPB, my states Attorney Generals office, or further legal action.

I expect a written response with the requested information within 30 days of your receipt of this letter. Please send all correspondence to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
XX/XX/XXXX XXXX account closed still on my account XX/XX/XXXX XXXX closed XX/XX/XXXX {$390.00} account I disputed back in XXXX and everything reports back accurate account to the credit bureau

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 2025-02-01 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: NC

Complaint narrative:
XX/XX/XXXX XXXX account closed still on my account XX/XX/XXXX XXXX closed XX/XX/XXXX {$390.00} account I disputed back in XXXX and everything reports back accurate account to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NC

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 2025-02-01 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: NC

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I was looking at my report and noticed that there were multiple things that we're not correct. I sent a letter to TransUnion XX/XX/year> here is my tracking number # XXXX but it has been more than 35 days since the credit bureaus haven't responded. That is a violation of 15 USC1681i ( a ) ( 1 ) ( A ) Under 15 USC1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) an exempt as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. which fall in line with why the CFPB Filed a lawsuit recently.

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 2025-02-01 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: DE

Complaint narrative:
I recently reviewed my credit report and noticed an account XXXX XXXX auto loan I paid in full that was never late not been reported accurately. The consumer reporting agencies need to report all information with complete accuracy. The dates indicated on my credit report differ from one credit bureau to another. I contacted the original creditor and was never late due to a payment accommodation during covid 19. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your time and prompt action. 

The CARES Act, signed into law in XX/XX/year>, amended the FCRA to require that, between XXXX XXXX, 2020, and the later of XX/XX/year>, or 120 days after the date on which the national emergency concerning XXXX ends, if a furnisher makes a payment accommodation, the furnisher must either report the obligation as current or, if the obligation or account was delinquent before the accommodation, freeze the delinquent status during the period in which the accommodation is in effect.

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 2025-02-01 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: DE

Complaint narrative:
I recently reviewed my credit report and noticed an account XXXX XXXX auto loan I paid in full that was never late not been reported accurately. The consumer reporting agencies need to report all information with complete accuracy. The dates indicated on my credit report differ from one credit bureau to another. I contacted the original creditor and was never late due to a payment accommodation during covid 19. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your time and prompt action. 

The CARES Act, signed into law in XX/XX/year>, amended the FCRA to require that, between XXXX XXXX, 2020, and the later of XX/XX/year>, or 120 days after the date on which the national emergency concerning XXXX ends, if a furnisher makes a payment accommodation, the furnisher must either report the obligation as current or, if the obligation or account was delinquent before the accommodation, freeze the delinquent status during the period in which the accommodation is in effect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Reached out to Amex multiple times letting them know that no stores accept the card and no one will get back to me regarding this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: WV

Complaint narrative:
Good Evening!

I'm reaching out for urgent assistance from the support team. I initiated a fund transfer of USD XXXX on XX/XX/XXXX through my Western Union account and provided the XXXX XXXX XXXX XXXX provide by them for tracking. According to their confirmation, the funds were supposed to be credited to my account on XX/XX/XXXX, but I have not received them yet. 

When I contacted customer support, they informed me that they are coordinating with their partner bank to complete the transfer and assured me it would be finalized within 24 hours. However, we are still waiting for the funds to be credited to our account.

I followed up with customer support again, and they reiterated that they are still working on completing the transfer. 

I urgently need support to resolve this issue as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: WA

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.

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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation