vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: WA

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit 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 non-monetary relief
Consumer complaint received 2025-01-28 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: WA

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit 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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: AR

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-28 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: AR

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information that appears on my credit report from XXXX. The following accounts contain incorrect information that is negatively impacting my credit score, and I request that they be thoroughly investigated and corrected or removed as necessary. 
XXXX. XXXX XXXX  XXXX ( Account # XXXX ) * This secured card account is reported as open and in good standing. However, the payment history reflects that no scheduled payments were made after XX/XX/XXXX, which is inaccurate. 
* The balance history shows a {$0.00} balance with repeated payments marked on XX/XX/XXXX, but no ongoing activity. I request verification of these records to ensure accuracy. 
XXXX. XXXX XXXX XXXX ( Account # XXXX and XXXX XXXXX ) * These accounts are marked as " Potentially Negative '' despite being paid and closed. 
* Both accounts reflect late payments ( XXXX & 60 days past due ) in XXXX and XXXX, which I believe were either reported incorrectly or should not be factored into my XXXX XXXX due to their age and resolution. 
* Additionally, I have disputed these accounts, and the reinvestigation conducted in XX/XX/XXXX did not provide adequate justification for maintaining these negative remarks.

* One of these accounts states, " Account paid from collateral, '' which I believe does not accurately reflect the terms of repayment and should be corrected.

I am requesting the following actions : 1. A full reinvestigation into these accounts under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of the reported information. 
XXXX. Removal of any incorrect late payment notations and the " Potentially Negative '' label on accounts that have been fully paid and closed. 
XXXX. Documentation from the furnishers confirming the accuracy of these reports or immediate removal if they can not be verified. 
I have attached screenshots of my credit report reflecting the disputed accounts for your reference. Please update my credit report accordingly and provide me with written confirmation of the outcome of this investigation. 
Thank you for your prompt attention to this matter. Please contact me if additional information is required. 
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 non-monetary relief
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information that appears on my credit report from XXXX. The following accounts contain incorrect information that is negatively impacting my credit score, and I request that they be thoroughly investigated and corrected or removed as necessary. 
XXXX. XXXX XXXX  XXXX ( Account # XXXX ) * This secured card account is reported as open and in good standing. However, the payment history reflects that no scheduled payments were made after XX/XX/XXXX, which is inaccurate. 
* The balance history shows a {$0.00} balance with repeated payments marked on XX/XX/XXXX, but no ongoing activity. I request verification of these records to ensure accuracy. 
XXXX. XXXX XXXX XXXX ( Account # XXXX and XXXX XXXX  ) * These accounts are marked as " Potentially Negative '' despite being paid and closed. 
* Both accounts reflect late payments ( XXXX & 60 days past due ) in XXXX and XXXX, which I believe were either reported incorrectly or should not be factored into my credit score due to their age and resolution. 
* Additionally, I have disputed these accounts, and the reinvestigation conducted in XX/XX/XXXX did not provide adequate justification for maintaining these negative remarks.

* One of these accounts states, " Account paid from collateral, '' which I believe does not accurately reflect the terms of repayment and should be corrected.

I am requesting the following actions : 1. A full reinvestigation into these accounts under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of the reported information.

2. Removal of any incorrect late payment notations and the " Potentially Negative '' label on accounts that have been fully paid and closed.

3. Documentation from the furnishers confirming the accuracy of these reports or immediate removal if they can not be verified.

I have attached screenshots of my credit report reflecting the disputed accounts for your reference. Please update my credit report accordingly and provide me with written confirmation of the outcome of this investigation. 
Thank you for your prompt attention to this matter. Please contact me if additional information is required. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Customer 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 2025-01-28 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$60000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-28 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: WA

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 ). Specially, Cash App failed to take a 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 the 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 in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account number : XXXX, This account was reported as a collection/charge off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was chargeoff. I urge your gency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance sporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation. I demand the immediate eletion of this account to ensure that your agency is reporting full and only complete information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
I purchase a Western Union money order on XX/XX/XXXX in the amount of {$340.00} from XXXX which recently became a XX/XX/XXXX. It was for my rent but I had double paid and asked to have the amount refunded. I filed a refund request on their website https : //www.westernunion.com. Case number XXXX on the same day I purchased the money order and found out it was a duplicated payment. 
Western Union sent me a notice dated XX/XX/XXXX stating the money order was cashed ..which it has not been as I still have the original in my possession. 
I tried to call their Customer Service and their phone line puts you into a never ending loop and tells you to file a request on their website which I have already done. 
The resolution I request is a refund of the face amount of the money order in the amount of {$340.00} and to know why they sent me wrong resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Fraud activity happened on my TD bank account. I called in immediately and responded to their text as well and chose the fraud option for the transaction to be declined. It wasnt declined. When I went to check my account. XXXX dollars was used before I got a single notification from TD. After I called in to TD they declined my claim in 1 day. 2 times they did not even look into it. The woman said. I used one of the merchants in the past so they wont approve it. Like bro your job is to protect my money you did a terrible job and now Im out XXXX? I will be taking legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In XX/XX/year>, I financed a solar panel system through GoodLeap for {$52000.00}. The system was installed by their XXXX, XXXX XXXX, at my property in XXXX, Texas. Since installation, the system has never worked as promised, and my utility bills have increased instead of decreased, contrary to the representations made during the sales process.

Additionally : No instructions or guidance were provided after installation, leaving me to figure out the system myself.

Despite paying approximately {$21000.00} ( at {$210.00} per month ) over the past three years, the system has failed to provide any measurable savings or benefit. 
I have reached out to GoodLeap and XXXX XXXX numerous times for resolution, but my complaints have been ignored. 
Recently, I received an email from XXXX XXXX representative, XXXX XXXX, acknowledging that : XXXX. Changes in Texas regulations have significantly reduced the efficiency of solar systems like mine. 
XXXX. Other customers have experienced similar issues, with many expressing dissatisfaction and concerns about the systems being ineffective. 
This email demonstrates that both GoodLeap and XXXX XXXX were aware of systemic problems but failed to notify or assist me. Their actions amount to misrepresentation and deceptive trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-01-28 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: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-28 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: VA

Complaint narrative:
I am writing to formally dispute an error on my credit report. Upon reviewing my credit file, I have identified incorrect information that is adversely affecting my credit standing. Specifically, [ describe the inaccurate information, such as an incorrect account, late payment, or balance discrepancy ], which does not accurately reflect my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit 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