vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: PA

Complaint narrative:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX pa XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX/XXXX/XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX D.C. XXXX Subject : Dispute of Credit Report Entries with TransUnion Dear Sir/Madam, I am writing to formally file a complaint against TransUnion, one of the major credit reporting agencies, for failing to accurately maintain and update the information contained in my credit report. This letter serves as a formal dispute of certain entries, and I request immediate action to be taken to resolve this matter, as stipulated under federal law. 

My Personal Information : Full Name : [ XXXX XXXX XXXX XXXX ] Date of Birth : [ XX/XX/year> ] Social Security Number : [ Last XXXX ] TransUnion Credit Report Reference Number : Disputed Information : [ Here, list the specific items you are disputing on your credit report. Include the creditor name, account number, and a brief explanation of the issue. ] For example : 1 ) Account Name : [ XXXX XXXX ] : Account number:XXXX 2 ) Accounts name : [ XXXXXXXX XXXX XXXX  ] Account number : [ XXXX ] 3 ) Account name : [ XXXX ] Account number : [ XXXX ] 4 ) Account name : [ XXXX  XXXX ] Account number : [ XXXX ] 5 ) Account name : [ XXXX XXXX XXXX ] Account number : [ XXXX Dispute : This account is listed as past due, but I have never missed a payment. The information should be updated to reflect my current payment history.

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 2025-03-25 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : Equifax : XXXXXXXX XXXX XXXX  {$0.00} Account info. 

Account XXXX XXXX Open/in good standing Date opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Account info Account XXXX XXXX open date opened XX/XX/XXXX Experian : XXXX XXXX XXXX {$0.00} Account info Account XXXX XXXX open date opened XX/XX/XXXX Transunion : XXXX {$0.00} Reported XX/XX/XXXX closed

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 2025-03-25 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : Equifax : XXXXXXXX XXXX XXXX  {$0.00} Account info. 

Account XXXX XXXX Open/in good standing Date opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Account info Account XXXX XXXX open date opened XX/XX/XXXX Experian : XXXX XXXX XXXX {$0.00} Account info Account XXXX XXXX open date opened XX/XX/XXXX Transunion : XXXX {$0.00} Reported XX/XX/XXXX closed

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: SC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am writing to formally file a complaint against Cash App ( Block , Inc. ) concerning inadequate customer service and unfair practices, which appear to violate provisions of the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activities on its platform, resulting in my account being left vulnerable and unprotected.

Additionally, the dispute resolution process employed by Cash App was both unfair and deceptive, failing to meet the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These shortcomings have caused significant inconvenience and financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-25 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: OK

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX Subject : ** Failure to Investigate Disputes Request for Assistance XX/XX/year> Dear CFPB, I am writing to file a formal complaint regarding my experience with Experian 's dispute process. I have submitted disputes online with Experian regarding discrepancies in my credit report, but I believe they have not been adequately investigated. Despite my attempts to resolve the issues, I have not received proper feedback or resolution.

Details of the Issue Account Information Disputes : I disputed inaccurate information on my credit report, including incorrect account details, payment history, and other discrepancies. However, I believe that Experian has not thoroughly investigated my disputes or updated my report based on my findings.

Lack of Response and Updates : I submitted multiple disputes online through XXXX dispute resolution system, but I have not received clear feedback or updates regarding the status of these disputes. The status of the disputes seems to remain unresolved, and I have not been informed of any investigations or results. 

Impact on Credit : The inaccurate information being reported on my credit report continues to negatively impact my credit score, and I am concerned that Experian is not taking the necessary steps to investigate and correct these errors.

Request for Assistance : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and assist in ensuring that Experian properly investigates the disputes I have filed. I would like Experian to : 1. Provide a clear response regarding the status of my disputes.

2. Thoroughly investigate and correct any inaccurate information on my credit report.

3. Notify me of any findings or resolutions regarding my disputes. 

Please let me know if you need any additional information or documentation to assist in resolving this matter. I appreciate your attention to this issue and look forward to your assistance in ensuring that my credit report is accurate and properly updated. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, Ok 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 2025-03-25 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: OK

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX Subject : ** Failure to Investigate Disputes Request for Assistance XX/XX/year> Dear CFPB, I am writing to file a formal complaint regarding my experience with Experian 's dispute process. I have submitted disputes online with Experian regarding discrepancies in my credit report, but I believe they have not been adequately investigated. Despite my attempts to resolve the issues, I have not received proper feedback or resolution.

Details of the Issue Account Information Disputes : I disputed inaccurate information on my credit report, including incorrect account details, payment history, and other discrepancies. However, I believe that Experian has not thoroughly investigated my disputes or updated my report based on my findings.

Lack of Response and Updates : I submitted multiple disputes online through XXXX dispute resolution system, but I have not received clear feedback or updates regarding the status of these disputes. The status of the disputes seems to remain unresolved, and I have not been informed of any investigations or results. 

Impact on Credit : The inaccurate information being reported on my credit report continues to negatively impact my credit score, and I am concerned that Experian is not taking the necessary steps to investigate and correct these errors.

Request for Assistance : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and assist in ensuring that Experian properly investigates the disputes I have filed. I would like Experian to : 1. Provide a clear response regarding the status of my disputes.

2. Thoroughly investigate and correct any inaccurate information on my credit report.

3. Notify me of any findings or resolutions regarding my disputes. 

Please let me know if you need any additional information or documentation to assist in resolving this matter. I appreciate your attention to this issue and look forward to your assistance in ensuring that my credit report is accurate and properly updated. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, Ok XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am writing to formally dispute a negative impact on my credit score related to my account with Golden One Credit Union. I believe that the recent changes to my credit report are the result of errors or mismanagement, and I kindly request your assistance in investigating this matter. 

In XX/XX/scrub> 2024, my checking and savings accounts with Golden One Credit Union were compromised due to fraudulent activity, and all my money was withdrawn. I immediately contacted Golden One and visited the branch in person, speaking with multiple representatives over the phone on multiple occasions to ensure that both accounts were fully closed. 

At the time, I was assured by the bank that everything was resolved. However, several months later, I discovered that the accounts had not been properly closed. A credit line associated with the account continued to withdraw monthly payments, even though the account should have been closed and there were no funds available. This resulted in negative activity that has lowered my credit score over the past 6-10 months.

As soon as I became aware of the issue, I contacted Golden One again and was told that the accounts were still active, and that there were even remaining funds in my savings, despite my having withdrawn all of the money. I had to make m
ultiple phone calls and speak with several representatives and was told the account was closed in multiple different occasions. I believe it is unfair that my credit score suffered due to a mistake on Golden Ones part, despite my proactive efforts to resolve the situation.

In an effort to get my account closed once again, I went into a golden one location and spoke with XXXX XXXX, the associate branch manager of the bank. And he assured me that the account was finally now closed though I have not received the final closure notice in the mail as they stated I would. I am now four months pregnant and struggling to find housing due to the drop in my credit because of this issue alone. He then told me to contact the credit bureau once again but I do not have the supporting documents I need for them to correct the incorrect credit report. Which is the final closure letter and a letter from Golden one stating that their credit report was incorrect.

Please find the relevant sections of my credit report in the attached copy. I am also enclosing a supporting documentation related to the dispute. I request that you investigate this issue and correct any inaccuracies related to the reporting of these accounts.

Thank you for your prompt attention to this matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. It is of utmost importance to underscore that these accounts do not belong to me and are fraudulent. There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity, my Proof of Address, and W2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-25 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
ubject : Formal Dispute of Navy Federal Credit Union Account Request for Deletion of Late Payments and Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments and the continued reporting of the Navy Federal Credit Union account ( Account Number : XXXXXXX ) on my XXXX credit report. Under the Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666b, as well as the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I demand the immediate investigation and deletion of the erroneous information.

Grounds for Dispute 1. Violation of 15 U.S.C. 1666b Timing of Payments The law requires that a creditor must promptly credit payments as of the date they are received. If my payments were processed incorrectly or not credited on time, any reported late payment is unlawful and must be deleted.

2. Violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting of Inaccurate Information The information being reported must be accurate and verifiable. If the furnisher ( Navy Federal Credit Union ) has failed to provide verifiable proof of the alleged late payments, then the reported late payments must be removed immediately. 
3. Failure to Provide Verification as Required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under the FCRA, upon my request, XXXX must verify the accuracy of reported items within 30 days. If the creditor can not provide adequate proof, this negative information must be permanently deleted. 
4. Violation of 15 U.S.C. 1666 Right to Dispute Billing Errors If any discrepancies exist in the billing and reporting process, they must be corrected under the Fair Credit Billing Act. I request that XXXX investigate whether my payments were misapplied or recorded improperly. 

Requested Action Immediate deletion of all late payments associated with the Navy Federal Credit Union account.

If the creditor can not verify the accuracy of the entire account, I demand its full deletion from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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