vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Dispute FCRA Violation and Identity Theft-Related Data Reporting I am writing to formally dispute inaccurate and fraudulent information on my credit report, which is directly related to identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and protection from the fraudulent use of my identity. Despite providing an official FTC Identity Theft Report, TransUnion has failed to take appropriate action, violating multiple provisions of the FCRA. 

Violations Committed by TransUnion, Experian and Equifax.

Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) TransUnion, Experian and Equifax did not conduct a thorough and reasonable reinvestigation of my dispute, despite clear evidence of identity theft.

Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) TransUnion continues to report fraudulent and inaccurate information, negatively impacting my creditworthiness.

Failure to Block Identity Theft-Related Data ( 15 U.S.C. 1681c-2 ) TransUnion is legally required to block fraudulent accounts upon receipt of my FTC Identity Theft Report but has failed to do so.

Fraudulent Accounts & Unauthorized Inquiries That Must Be Deleted 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. Establishes that credit reporting agencies must conduct proper investigations. 
XXXXXXXX XXXX XXXX XXXX XXXX Reinforces that agencies must ensure accuracy in credit reporting. 
CFPB XXXX XXXX. XXXX Demonstrates regulatory action against failures to comply with FCRA obligations. 
My Formal Demand I demand immediate deletion of all unauthorized accounts and inquiries related to my identity theft. Under the FCRA, you are required to : Permanently remove the fraudulent accounts and inquiries from my credit file. 
Provide a written confirmation of deletion. 
Cease all reporting of these items to third parties. 
If these fraudulent items are not removed within the required timeframe of XXXX ( XXXX ) business days under 15 U.S.C. 1681c-2, I will escalate this matter to the Consumer Financial Protection Bureau XXXX CFPB ) and pursue legal action. 

Please send all written correspondence to the address listed above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality in 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A, states that I have the right to privacy.

15 USC 1681 Section 604 A section 2, states a consumer reporting agency can not furnish a written account without my written instructions or consent.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 2025-02-14 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-14 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: PA

Complaint narrative:
I previously reviewed a copy of my credit report and found some fraudulent accounts and this is hurting my ability to obtain credit and is against the Fair Credit Act and I would like this account to be removed from my credit history so I can obtain credit. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year> my husband checked our Wells Fargo bank account and noticed XXXX XXXX deposits in the amount of {$400.00} each. He also noticed that XXXX transactions were made at XXXX in XXXX XXXX, SC. The transactions were in the amount of {$1000.00}, {$1500.00}, and {$2000.00}. We contacted the bank and opened a fraud investigation and informed them that my husbands debit card was missing. Our account was immediately closed and a new account was opened. Wells Fargo investigated the fraud, but denied our claim and stated that the purchases were made by my husband and I. We assured them that this was incorrect. The Wells Fargo investigator XXXX worked on our case and she several clues pointing to fraud, but the XXXX Department at Wells Fargo ignored her. Also, the XXXX Department is responsible for alerting the customer of potential fraud is the same department that processes the fraud claims. My husband I believe that Wells Fargo did not protect our money, they did not notify us that our account was hacked, and there is a conflict of interest within the company. We also believe that Wells Fargo may have an inside customer theft problem.

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 2025-02-14 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
Bureau reporting incorrect amount to my credit report, XXXX reporting {$100.00} to my credit report, Im seeing were Transunion {$97.00} .experian {$97.00} and Equifax {$100.00} all incorrect of the amount and my credit report and that is bad because it hurting my ability to buy a house get credit cards an even buy a car .this is so wrong under the fair credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
Bureau reporting incorrect amount to my credit report, XXXX reporting {$100.00} to my credit report, Im seeing were Transunion {$97.00} .experian {$97.00} and Equifax {$100.00} all incorrect of the amount and my credit report and that is bad because it hurting my ability to buy a house get credit cards an even buy a car .this is so wrong under the fair credit Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NY

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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-02-14 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have contacted all XXXX credit bureaus to have debt removed older than 7 years. They keep updating the dates and keep it in my credit. This has caused me to have bad credit for past 25 years. I have 100 % payment history for many years and paid many loans off. My credit is damaged due to the credit agencies not following procedures and proper investigation. This has caused me a financial burden for many years. I just want the credit score that I deserve and work very hard to achieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: VA

Complaint narrative:
my XXXX  passed away, and I became his XXXX. I have reached out to the bank multiple times and gave them the information that they requested from me, which was the death certificate the affidavit de deeds everything that they have asked of me I have sent to them. I have sent these things to them three times. I have resubmitted them. They have told me that they have lost them at one point. I was good to go the next point I wasnt. Ive been trying to get a short sale packet so that the house doesnt go into foreclosure. I just keep getting the runaround. Theyre not giving me a straight answer. They always say someones gon na call me and dont I dont understand. I dont know what else to do. Its already been a hassle being that my XXXX  is deceased. I have not been able to grieve him because Ive been dealing with this House situation. I really need someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CIG FINANCIAL LLC
State: SC

Complaint narrative:
I bought a car and traded in my old one ( which still had a balance ). This happened on XX/XX/year>, I then made a payment for my old car in order to protect my credit, however time has passed and they still havent paid my trade in and Im due for another payment on my old car and the one one I purchased, basically Im due for XXXX car payments. I have called and given the run around with no specific information as to when they expect to pay the old car, which by the way they had up for sale already for weeks. The manager was given a message to call me back but he just doesnt, when I try to get answers the front desk people get me salesmen who are nice but not really interested in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax TransUnion and Experian SEE THERE ATTACHED RESPONSES Iam not verifying ANYTHING OR SEND OUT DUPLICATE anything more these XXXX bureaus have been notified SEE ATTACHED Equifax has XXXX days to comply and remove off my credit DISAPPEAR XXXX XXXX XXXX has ordered it too be removed and I get this XXXX mailed to a relative see address they sent to I DONT LIVE THERE I only put in a change of address with Post Office I never gave them authority to send this kind of correspondences BY XXXX WAY I HAVE A RIGHT TO HAVE MY MAIL I CHOOSE TO BE SENT DIFFERENT PLACES as well whom in the XXXX commits fraud and or disputes a collection if its not them I DONT NEED TRHEM BUT TO ONLY FOLLOW THE LAW YOU ALL HAVE XXXX BUISNESS DAYS TO COMPLY AND FOLLOW NATIONAL CREDIT INSTRUCTION TO REMOVE OR FOLLOWING WILL BE A LAW SUIT IN THE COURT OF LAW FOR DAMAGES attached is proof of who I am and ] matches my profile KICK ROCKSA AND GET SUED CFPB YOU NEED TO PUBLISH THIS AND BE SUED beside XXXX XXXX XXXX XXXX down CFPB anyway its waste of money CLEAN THE SWOMP sorry for my attitude but when you produce a letter that clearly ordering the removal and you fck with me Iam about to get in your pockets with a law suit ITS AGAINST FEDERAL REPORTING GUIDSE LINES AND YOU KNOW IT AND BIG DAMAGE HAS BEEN DONE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NY

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

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment Violation of 15 U.S.C. 1666b Dear Dispute Team, I am writing to dispute late payment information appearing on my credit report that I believe is inaccurate. These entries may also involve a violation of 15 U.S.C. 1666b, which governs the prompt crediting of payments. 

The details of the dispute are as follows : Account Name : BMW FIN SVC Account Number : XXXX Disputed Late Payment ( s ) : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason for Dispute : I believe the late payments are reported in error. 

Although I do not currently have supporting documentation, I am requesting that XXXX investigate this matter with the creditor in question to verify the accuracy of the reported information. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and to expect a thorough investigation. I kindly request : 1. Verification of the late payment entries with the creditor.

2. Removal of any entries found to be inaccurate. 

Please provide a written response detailing the results of your investigation. If the disputed information is not corrected, I request a description of the steps taken to verify its accuracy and access to any evidence used to validate the information. 

Should you require further information, please contact me at ( XXXX ) XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a responsible 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 TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causeing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnions inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation