vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite the evidence I provided, Transunion has neither corrected nor removed disputed items, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.

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 2025-01-27 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: VA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: VA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Transform Credit Inc.
State: IL

Complaint narrative:
I cosigned a loan for my so with Transform Credit. I am only liable if the payments are not made by my son and account is in default. 

This loan is current as my son made his XXXX payment which was. Today XX/XX/year> Transform credit withdrew {$130.00} from my account after my sons payment cleared. Transform Credit has acknowledged they received my sons payment and the account is current but They have stated that they will not refund me my money and are holding it for a XXXX payment. 

My son is the primary on this loan they should not be double dipping on payments especially if im only liable on case of default

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: 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: SC

Complaint narrative:
I came across the CFPB Experian lawsuit. 
I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''.

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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: FL

Complaint narrative:
I applied for a credit card around XXXX or XX/XX/year>, with Fidelity Investment but the company does provide me with all the reward in the offer. 

I have all the details of the offer that I applied for, when I contacted the company " fidelity investment '' since I did not see the bonus on my bank statements. They told me with the information that they will conduct with an investigation about it.

After several days, I received a letter just saying that they can not combined offers, but I was not asking for a different offer I have all the details about the offer that I applied but I feel like Fidelity Investment efforts were very poor to solve this issue, and the result does not address my issue and now they said that unfortunately that is nothing else can do.

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 2025-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX i called Transunion to get all information regarding hard inquiries, so i can match with what i see on a 3rd party app ( XXXX XXXX ), and was told by a supervisor/Representative that i do not have access to any online portals or information over the phone due to multiple social security numbers, names, and addresses tied to my credit file. I have updated this credit bureau numerous times in XXXX, XX/XX/XXXX, and XX/XX/XXXX pf my correct information and still nothing has been removed/changed. I have also sent in proof that is also on a CFPB complaint under my account as well of all correct identity information. Im unable to access online portals directly with transunion due to this matter, and would like this to be resolved immediately within 24-48hrs from todays complaint. 

Also, there are XXXX Hard inquiries attached to my credit report that i can see from third party site ( XXXX XXXX ) that i want removed immediately as i have not applied for any of the credit listed, and i have not given anyone permission to submit credit checks on my behalf. I would like the hard inquries removed immediately as well within XXXX as per FCRA guidelines for inaccurate information is illegal to be used against me, and to remain on my accounts. Listed below are the hard inquries im requesting removal of as well as correction to my name, address, email address, phone number, date of birth should be updated as well. 

XXXX XXXX XXXX XXXXXXXX reported on XXXX XXXX XXXX XXXX- reported on XXXX, XXXX XXXX For- reported on XXXX XXXX XXXX bank- reported on XXXX XXXX reported on XXXX XXXX. XXXX XXXX reported on XXXX, XXXX XXXXXXXX XXXX XXXX reported on XXXX XXXX XXXX XXXX- reported on XXXX XXXX XXXX XXXX reported on XXXX XXXX. XXXX XXXX reported on XXXX XXXX XXXX XXXX- reported on XXXX XXXX XXXXXXXX XXXX XXXX- reported on XXXX XXXX XXXX XXXX- reported on 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 2025-01-27 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to formally request a debt validation under 15 U.S.C. 1692g, also known as the Fair Debt Collection Practices Act ( FDCPA ), in response to your collection efforts regarding the account referenced above. 

Please provide the following documentation and information to verify the debt : A complete and detailed list of the payment history on this account, with my name clearly indicated, including all amounts paid, dates, and any adjustments made. 
A copy of the original signed agreement or contract that I entered into with the original creditor, specifically the document bearing my original signature which verifies that I agreed to the terms of the contract. 
Confirmation of whether any insurance claim has been filed regarding this debt, and if so, the details of such claim. 
A clear and verifiable chain of title or ownership, showing how and when your company came into possession of the right to collect on this debt, including all assignments and transfers. 
Please note that until I receive this requested documentation, I consider this matter unresolved. In accordance with 15 U.S.C. 1692g, I request that all collection activities cease until the requested verification has been provided. 

I expect a prompt response to this request. If the requested information can not be provided, I will consider this debt invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MI

Complaint narrative:
I was impacted by the XXXX XXXX XXXX and noticed several Inquiries I didn't authorize.

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 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

The account in question is National Credit System on behalf of XXXX XXXX XXXX XXXX XXXX I provided the apartment complex with a 60 day notice prior to moving out due to purchasing a home. I also paid the reletting fee and ensured the unit was cleaned prior to my departure ( I have documentation of this ). The apartment complex claims I never paid them and proceeded to put a balance on my credit report that I do not owe. I have fought this matter tiredlessly and it has begun to affect my emotional being and cause extreme distress. This violates my consumer rights under the FCRA. I am requesting this item be removed and I am moving forward with filing a complaint with the FTC, attorney general and a civil suit in XXXX XXXX XXXX for punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumers Financial Protection Bureau ( CFBP ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-27 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: IL

Complaint narrative:
on XX/XX/year> my XXXX XXXX  ( XXXX XXXX XXXX ) is marked as late on my payment history. I have contact credit agency to investigate and remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block, .Inc ) Due to Inadequate Customer Service and Unfair Practices, Which Violates the consumer financial protection act ( CFPA ). Specifically, Cash App Failed To take timely and effective measures to prevent and address fraud on their platform, Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: VA

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 2025-01-27 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 accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I am contacting you to dispute fraudulent items on my credit report, which I believe have been added illegally. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccurate items be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report Number XXXX, which provides the evidence of clearly fraudulent credit reporting. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, consumer reporting agencies are required to block the disputed information within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to certify to you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report with Experian : Disputed Items : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
XXXX XXXX has a account in my name I have no knowledge of and it needs to be removed its in collection status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
On the dates listed below I requested the validation and removal of derogatory information that is being reported on my credit report : - XX/XX/XXXX, XXXX XXXX Mail Receipt # XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX Mail Receipt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$10000.00} The consumer reporting agency has not investigated, removed or adhered to my request or 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 2025-01-27 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: PA

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 2025-01-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX tx XXXX Subject : Formal Dispute Regarding Inaccurate Information On My Credit Report Dear [ Experian ] I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being.I am aware of my rights under the fair credit reporting act and request a thorough investigation into the inaccuracies, as required by federal law. Rencently, the consumer financial protection bureau filed a lawsuit against experian for its failure to properly invesigate consumer disputes, citing " sham investigations ' and other unlawful practices.These practices, as outlined by the CFPB, include conducting inadequate investigations that fail to address consumer disputes properly reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigations results effectively .These allegations highlight systemic ifssues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.I am deeply concerned that my dispute may be mishandled in a similar manner.

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