vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
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 these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against EXPERIAN for its failure to properly investigate consumer disputes, citing " SHAM INVESTIGATIONS '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fails to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers abiut investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
Im frustrated to see inquiries from your company on my credit report that I never gave consent for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
There were 2 credit cards and 6 inquiries on my report i didn't initiate. " XXXX XXXX XXXX '' credit card opened on XX/XX/XXXX with a {$500.00} balance. XXXX XXXX XXXX XXXX XXXX XXXX credit card opened on XX/XX/XXXX with {$500.00} original balance. Now there are 6 total inquiries. " XXXX '' inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX '' inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX' inquired on XX/XX/XXXX. There was also an address on my report that is included on my identity theft report. The address is " XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 ). 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 2025-02-05 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I am writing to formally report that my personal information was stolen, leading to unauthorized activity on my credit report. In XX/XX/year>, I lost my wallet, and shortly thereafter, fraudulent accounts and transactions began appearing in my name. Specifically, I recently discovered that two apartment applications were submitted under my identity without my knowledge or consent.

I want to clarify that I had no involvement in these applications and did not authorize anyone to use my personal information. As a victim of identity theft, I am requesting that these fraudulent accounts be investigated and removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am aware of the lawsuit against Credit Acceptance and I am another XXXX of their victims. I purchased a car in XXXX of XXXX and I have not had that car in my possession since XXXX. I was sold a lemon and there is now a past due balance on the credit report of {$2800.00} with the status reporting as XXXX  days past due from XXXX of XXXX to XX/XX/XXXX. That is not legal and it is preventing me from doing anything with my credit or my life. I have been turned down for various credit decisions due to this ongoing issue. I need help in correcting this and helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: LEXISNEXIS
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: WI

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I reviewed my credit reports from XXXX, XXXX, and TransUnion and found multiple inaccuracies related to my personal information. These errors include incorrect names, addresses, and employers that do not belong to me. I submitted formal disputes to each credit bureau, requesting the correction of this information under my rights established in the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). However, the credit bureaus failed to properly investigate and correct these inaccuracies within the legally required timeframe.

These errors have caused harm to my credit profile by misrepresenting my identity and potentially linking me to fraudulent activities. Additionally, outdated and incorrect phone numbers remain on my report, increasing my risk of identity theft and unsolicited communications.

Under 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy in consumer reports. Their failure to do so violates federal law and affects my financial opportunities. I also requested that any deletions be communicated to other credit bureaus under 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), yet I have not received confirmation that this requirement was met.

I am requesting immediate corrective action to ensure compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened up US Bank Checking account in XX/XX/year> with the promotion that I can received XXXX USD account opening bonus if I have direct deposit more than XXXX USD within 3 months. I achieved that XXXX USD direct deposit requirement but now US Bank said there was no promo code applied. I believe US Bank is tricking me into opening an account without keeping their advertisement promotions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dont have time to put the rest but happen 57 more times before the ones that I listed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A foreclosure sale was scheduled for XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX The Judgment amount was XXXX. I have a screenshot of this amount and the auction schedule. On the XXXX of XXXX I was able to obtain the money to pay off that judgment. It took a lot of work and was a absolute miracle to be able to get that money. Wells Fargo now won't accept that money. Had I not gotten that money and it had gone to auction anyone off the street could have gotten it for that but now from me they want more money and they have said the foreclosure for 45 days while they determine how much more money they can bleed out of me. Unfortunately for both of us they can't bleed anymore out of me. I'm an XXXX XXXXXXXX Widow on Social Security, my home is my only asset. I have to be able to sell my home and net a certain amount of money to be able to survive for the rest of my life This is case number XXXX in XXXX XXXX Florida I could not attach the screenshot that showed the auction calendar for the XXXX of XXXX with the Judgment amount of {$72000.00}. I also have a screenshot of the wire transfer that that was intended to pay off Wells Fargo in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have found that my name has been reported incorrectly. The only correct and legal name associated with my Social Security number and all financial accounts is XXXX XXXX XXXX. However, I have noticed the presence of other incorrect and unknown names on my report. 

These misreported names are not associated with me in any capacity, and I request that they be removed immediately to prevent any potential identity fraud, errors, or damage to my credit profile. Please update my credit file to reflect only my correct and legal name : XXXX XXXX XXXX, as it appears on my Social Security card. 

As required by law, I request a thorough investigation into this matter and the removal of any inaccurate information. I have enclosed copies of my government-issued ID, Social Security card , and any other necessary supporting documents to verify my identity. 

In accordance with the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), I expect these corrections to be made within the required 30-day period. Please provide me with written confirmation once the corrections have been made, along with a corrected copy of my credit report. 

If this matter is not resolved promptly, I am prepared to escalate this issue, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action if necessary. 

I appreciate your prompt attention to this urgent matter. Please confirm receipt of this letter and inform me when these inaccuracies have been addressed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with XXXXEquifax due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section XXXX - XXXX U.S.C. XXXX ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section XXXX - XXXX U.S.C. XXXX ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section XXXX ( 5 ) - XXXX U.S.C. XXXX ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section XXXX ( a ) ( 1 ) ( A ) - XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section XXXX - XXXX U.S.C. XXXX ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section XXXX - XXXX U.S.C. XXXX ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section XXXX - XXXX U.S.C. XXXX ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Request for Removal of Outdated Accounts from Credit Report Dear Capital One, I am writing to formally request the removal of closed accounts with negative remarks from my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information should only remain on a credit report for XXXX years. My Capital One accounts have exceeded this timeframe, yet they are still being reported. 

I request that these accounts be removed immediately as they are no longer legally reportable. If they are not removed promptly, I will continue submitting a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with federal regulations. 

Please confirm the removal of these accounts at your earliest convenience. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation