vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-30 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute on inquiries on XXXX stating that I have no knowledge of these inquiries and feel I have been a victim of possible fraud. I have them a list of the inquiries in question. On the same day, I received the investigation status and it stated that nothing was wrong and it would stay on report for a period of two years. I contacted the companies from where the inquiries came from and asked to receive a copy of where I signed to have my credit pulled, which they replied they do not have record of that. I also questioned if anyone from Equifax contacted them questioning the validity of said inquiries, which they replied they never spoke with anyone. I do not feel Equifax done their due diligence in properly investigation these items. If they had done so and found out the company could not provide written evidence that I gave my permission to have my credit pulled, they would have deleted these items. 

That being said, it is my prayer and demand that all items in question be immediately deleted from my credit report before further action takes place against Equifax for improper reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I took my phone into XXXX to trade my old phone and get a new one. I was in the store for approximately 3 hours. During this time I was working with an employee who had possession of the phone the entire time I was there. The employee went into the back room with it several times while he was transferring software from the old phone to the new phone. A few days later, I noticed my Cash App account was missing money and saw an unauthorized transaction. The transaction was for {$1000.00}. There was either {$290.00} or {$280.00} left remaining. I attempted to withdraw the balance and called Cash App to complain. I was told that my account was being closed. After calling Cash App again and explaining the situation that fraud had been committed on my account, I was told there was no way to reopen the account. I called Cash App yet again, and was told to create a new Cash App account using a different email address. My daughter attempted to do this and we were still unable to get into Cash App. The person who stole the money also changed the pin on the Cash App account as well. We ( my daughter and I ) called Cash App yet again and this time we were once more given a Complaint number and told that we would hear back in 7-10 business days. Cash App closed the case and then said we could appeal it. On XX/XX/XXXX, we called the bank to see if they could help, and they referred us back to Cash App. Cash App is absolutely no help and outside of the fraudulent activity, which they did not protect us from, also refuses to give money back that remains in the account and clearly does not belong to them. It is Cash App who closed the account and refused to further help in returning the funds which were clearly fraudulently taken, as well as the money that remains which belongs to my mother. 

Thus far we have three Cash App Case Numbers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
My name is XXXX XXXX. I am Veteran of the XXXX XXXX XXXX XXXX. We are selling our home in XXXXXXXX XXXX Our buyers have received a clear to close XXXX XXXX assumption approval as of XX/XX/year>. Please see attached approval from Flagstar Bank. On XX/XX/year> we were told that the assumption could not be closed because Flagstar bank ( our bank ) is selling our loan and the mortgage servicing department to XXXX XXXX. We were not notified of this until two days before we were scheduled to close. The transfer of the loan to XXXX XXXX is scheduled for XX/XX/year>. We are devastated, as this will be a huge financial burden to us. We are being told that the whole process will have to start all over again, even though the buyers have been approved and we are ready to close. This is a disservice to all parties involved. This will also be a burden to XXXX XXXX, as they will now have to process the assumption all over again, if our deal does not fall through. This will have a huge impact to our family if pushed back another XXXX months, if not sold all together. We are selling our house because we can no longer afford it. This has to happen.

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 2025-01-30 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-30 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: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or l do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

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 2025-01-30 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I reviewed my report and there are 2 XXXX accounts that I have never authorized, I do not recognize them. Additionally, there is another account marked as negative that also does not belong to me. In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : Disputed Accounts : 1.Name XXXX XXXX Account Number : XXXX Balance : {$1100.00} Date Opened : XX/XX/year>, 2.Name : XXXX Account Number : XXXX Balance : {$1900.00} Date Opened : XX/XX/year>, 3.Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Balance : {$1700.00} XXXX XXXX XXXX XX/XX/year>

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject : Cease and Desist Notice Unauthorized Access and Furnishing of My Consumer Report Under 15 U.S.C. 1681 To Whom It May Concern, This letter serves as a formal cease and desist demand regarding the unauthorized access and furnishing of my consumer report, which appears to be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Upon reviewing my credit report, I discovered that my personal and financial information has been accessed without my explicit written consent, particularly for insurance underwriting or other unauthorized purposes. Pursuant to 15 U.S.C. 1681b ( a ), a consumer reporting agency is only permitted to furnish a consumer report under specific circumstances, including when the consumer has provided written authorization. I have never given such written consent.

Furthermore, 15 U.S.C. 1681b ( f ) prohibits any entity from obtaining a consumer report without a permissible purpose. Any continued access to my consumer report without my express written permission constitutes a violation of my rights under federal law.

Therefore, I demand that you immediately : 1. Cease and desist from any further unauthorized access, use, or furnishing of my consumer report. 
2. Remove any inquiries or accounts that were obtained without my written authorization.

3. Provide me with the names and contact information of any entity that accessed my report without my consent.

4. Provide proof of my written authorization for any disputed inquiries or accounts. If no such authorization exists, the disputed entries must be removed immediately.

If you fail to comply with this cease and desist demand, I will have no choice but to pursue further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing civil litigation for FCRA violations.

I expect full compliance and a written response within 30 days, as required under 15 U.S.C. 1681i. This letter serves as formal notice, and failure to act accordingly may result in legal consequences. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IN

Complaint narrative:
I am disputing the inaccurate late payment reporting on my credit report. After thoroughly reviewing my records, I have confirmed that these accounts were paid on time. The erroneous reporting has negatively impacted my FICO score, and I demand an immediate correction.

Under 15 U.S.C. 1666b, I am entitled to a fair and accurate investigation of this matter. I expect a prompt review and correction of these accounts to reflect their actual payment status.

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 2025-01-30 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: IN

Complaint narrative:
I am disputing the inaccurate late payment reporting on my credit report. After thoroughly reviewing my records, I have confirmed that these accounts were paid on time. The erroneous reporting has negatively impacted my XXXX score, and I demand an immediate correction. 

Under 15 U.S.C. 1666b, I am entitled to a fair and accurate investigation of this matter. I expect a prompt review and correction of these accounts to reflect their actual payment status.

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 2025-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I opened online savings account with XXXX XXXX XXXXXXXX XXXX XXXX XXXXn XX/XX/year>. I scheduled XXXX transfer from my account at XXXX XXXX XXXX on XX/XX/year>. My funds were withdrawn from XXXX XXXX XXXX on XX/XX/year> and processed by XXXX. The fund however were credited to my account on XX/XX/year> at XXXX. 
I have lost interest on my funds of 5 days inspite of XXXX transfer.

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 2025-01-30 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: SC

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, I am writing to dispute inaccurate information that remains on my credit report, despite my previous attempts to resolve these issues through your dispute process. This ongoing situation reflects a broader pattern of noncompliance that was recently highlighted in the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian. I am experiencing the same issues addressed in this lawsuit, and I demand immediate action to correct the inaccuracies on my credit report. 

The CFPBs lawsuit alleges that Experian has consistently failed to ensure the accuracy of consumer credit reports, as required under the Fair Credit Reporting Act ( FCRA ). Specifically, the lawsuit outlines Experians failure to investigate disputes thoroughly and its practice of continuing to report inaccurate or unverifiable information. I am now experiencing these very same failures, as your reporting includes information that is clearly inaccurate and has not been corrected, despite my efforts to resolve the matter. 

I am requesting a thorough reinvestigation of the inaccuracies on my report. Under the FCRA, you are obligated to investigate disputed information promptly and delete or correct any information that is found to be inaccurate or unverifiable. 

I have included a copy of my credit report with the disputed information highlighted, along with supporting documentation to show that the information is incorrect. 

This ongoing issue has caused significant harm to my financial well-being. Failure to address this dispute adequately will leave me no choice but to escalate my complaint by filing a formal report with the CFPB and pursuing further action to hold Experian accountable for its violations of federal law. 

I look forward to your prompt response 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
I want the CFPB to publish this? This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My identification is being stolen and there are lots of hard inquiries. I would like to dispute all these SYNCB / LOWES XX/XX/year> SYNCB / AMAZON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not do these hard inquries and I need a document from you to submit it to credit bureaus My email address is 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