vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ). Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) 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. Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.

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 2025-01-22 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:
XXXX XXXX XXXX XXXX XX/XX/XXXX {$710.00} Unknown - credit extension, review, or collection I have contacted the company and the credit bureau and nothing has been done. I have not received a response. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX dates are different on all bureaus {$310.00} I have contacted the company and the credit bureau and nothing has been done. I have not received a response. 

XXXX XXXX XXXX XXXXXXXX XXXX {$850.00} dates are different on each bureau. I have contacted the company and the credit bureaus and nothing has been done. 

XXXXXXXX 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX {$710.00} Unknown - credit extension, review, or collection I have contacted the company and the credit bureau and nothing has been done. I have not received a response. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX dates are different on all bureaus {$310.00} I have contacted the company and the credit bureau and nothing has been done. I have not received a response. 

XXXX XXXX XXXX XXXXXXXX XXXX {$850.00} dates are different on each bureau. I have contacted the company and the credit bureaus and nothing has been done. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Information Solutions , Inc . 
Dispute Resolution Department Subject : Dispute of Inaccurate Credit Report Information To Whom It May Concern : I am writing to formally dispute inaccurate and incomplete information reported on my credit report maintained by Experian. The specific inaccuracies are as follows : Account with XXXX XXXX XXXX XXXX, balance of {$44000.00}, incorrectly reported on my account as a result of fraud. 
Account with XXXX XXXX XXXX XXXX, balance of {$50000.00}, incorrectly reported on my account as a result of fraud. 
Account with XXXX XXXX XXXX XXXX, balance of {$7400.00}, incorrectly reported on my account as a result of fraud. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to ensure that the information reported in consumer credit files is accurate and complete. Furthermore, the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian ( Case Number XXXX, filed XX/XX/2025 ) highlights systemic issues in Experians credit reporting practices, including : 1. Failure to reasonably reinvestigate consumer disputes.

2. Miscommunication of disputes to data furnishers.

3. Providing unclear and contradictory reinvestigation results to consumers.

In light of these findings, I am particularly concerned that my dispute may not have been or will not be handled in compliance with FCRA requirements.

I request that Experian : 1. Conduct a reasonable reinvestigation of the disputed items, ensuring all relevant documentation I have provided is reviewed and forwarded to the data furnishers.

2. Provide me with clear and comprehensive results of the reinvestigation, detailing any corrections or updates made to my report.

3. If the information can not be verified, remove it from my credit file entirely, as required under 15 U.S.C. 1681i ( a ) ( 5 ).

Please resolve this matter promptly and confirm the receipt of this dispute within five business days as required by law. If Experian fails to address these issues adequately, I reserve the right to escalate this matter to the CFPB or pursue legal remedies.

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
My zelle was accessed while I was working at a XXXXXXXX XXXX XXXX XXXX XXXX XXXXd a {$200.00} transaction was completed to a XXXX XXXX without my authorization. I attempted to dispute the transaction with my XXXX  XXXX bank as well as Zelle but I was refused the refund. Zelle never responded to any of my correspondences and I was charged for the fraudulent transaction. I did not authorize this activity and I am also looking at multiple other transactions with Zelle that are not authorized. Seeking some type of resolution to this fraudulent activity immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: KS

Complaint narrative:
I am writing to formally dispute the incorrect and derogatory information reported on my consumer credit report by XXXX and the lack of response by all three credit reporting companies in clearing this matter. This issue pertains to student loan account XXXX, which inaccurately shows a balance due of {$3800.00}. This loan has been paid in full, and the balance must be corrected to reflect {$0.00}. 

This misinformation is harming my credit report and, as a result, my financial standing. The loan was fully satisfied on XX/XX/year>, and I have attached the necessary documentation to prove this, which includes : - A copy of the final payment receipt showing that {$3800.00} was applied to the principal and interest on XX/XX/year>. 
- An account statement confirming a XXXX balance.

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 2025-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Had a {$100.00} amex gift card that " expired ''. I called the number on the card and they sent a replacement card as the funds never expire only the physical card. The new card is unable to be used. I can't use it online or in stores and when I go onto their website to get information on the card I get an error message when I enter the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
the account in reference listed on my credit report is not accurate this account does not belong to me I did not open this account however it is showing on my report as an accurate debt I am requesting this account to please be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
Incorrect information is posted on my credit report I tried sending them letters to remove and calling

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 2025-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: WI

Complaint narrative:
This bank have asked them for statement on XXXX as need for use but yet lied to my statement usually for month done by now n yet signed into account not n they cant give clear answer either over phone

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 2025-01-22 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XXXX XXXX XXXX AMOUNT {$21000.00} ACCCOUNT # XXXX XXXX XXXX AMOUNT {$2900.00} ACCOUNT # 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 2025-01-22 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: CT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: NJ

Complaint narrative:
XXXXXXXX XXXX, inaccurate information and no contracts with wet signature provided. 

XXXX XXXX, no wet signature of original settlement papers provided. 

XXXX XXXX, no wet signature documents, providing proof of original debt. 

XXXX XXXX, no wet signature documents proving original debt. 

XXXX XXXX, no wet signatures, proving original debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: NJ

Complaint narrative:
XXXXXXXX XXXX  inaccurate information and no contracts with wet signature provided. 

XXXX XXXX, no wet signature of original settlement papers provided. 

XXXX XXXX, no wet signature documents, providing proof of original debt. 

XXXX XXXX, no wet signature documents proving original debt. 

XXXXXXXX XXXX  no wet signatures, proving original debt.

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 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Greetings, I brought a home in 2023 in XXXX ga, I transferred my vehicle from PA to GA. I went to renew my registration and GA would not let me because they never received the title from PA. I called the bank Navy Federal Credit who insist they have made the request for the title. PA said they sent the title to the bank Navy Federal in XX/XX/year>. The title has been XXXX. Navy Fed stated they put in for a duplicated title but I am stuck paying XXXX $ a month for a car that I can no longer drive because I can not register the vehicle nor drive it. To this day after 15 months, I still do not have the title to the car, nor does GA XXXX have the title and I am stuck making payments on the car. I can not drive. I have every chat conversation and phone call threat with Navy Fed trying to fix this problem and they refuse to call the person who would assist me with fixing this problem at the Pa XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX, XXXX and XXXX. XXXX stated that they would allow me to defer payments due to the nationwide crisis during that time ( COVID 19 ), and promised to continue reporting my account as current to the consumer reporting agencies ( CRAs ), however, XXXX reported my account as delinquent during the deferral period which is in violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of XXXX ( CFPA ). These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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 2025-01-22 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: FL

Complaint narrative:
I am filing a complaint due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX, XXXX and XXXX. XXXX stated that they would allow me to defer payments due to the nationwide crisis during that time ( COVID XXXX ), and promised to continue reporting my account as current to the consumer reporting agencies ( CRAs ), however, XXXX reported my account as delinquent during the deferral period which is in violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of XXXX ( CFPA ). 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 2025-01-22 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: TX

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Balane, XXXX Account Name : [ XXXX  ] Account Number : [ 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 2025-01-22 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-01-22 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 recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXXXXXX XXXX XXXX ( Account # : ... XXXX ) XXXX. XXXX XXXX XXXX XXXX  ( Account # : ... XXXX ) XXXX. XXXX XXXX XXXX ( Account # : ... XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief